Tips in improving credit score

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Post by gemma685 » Tue Jan 26, 2021 5:27 pm
Those who have completed their IVA and tried to increase their credit score - do you have any tips for this? I’m on the electoral roll etc but I don’t have any credit such as a house, car, phone. I will have direct debits such as Gas/electric, Water, Sky, Tv license, life insurance, Council tax.

A bit of background - I am In a joint IVA with my husband. We are separated and are
Splitting the Iva. As soon as it is split my parents will offer a F&F and will keep offering until it is accepted. Our house will be sold and I’ll be moving back in with my parents and taking some of their bills in my name so show I can pay on time etc.


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Post by Foggy » Tue Jan 26, 2021 5:32 pm
When your credit report is clear of the IVA and associated defaults, try for a small credit limit credit card and use this regularly for something small -- maybe petrol --- and pay it off each month.

I had a Vanquis before my credit record cleared -- but an in two minds about having such a card reporting on my credit report as everyone knows it is a card for those with money issues ! As soon as my 6 year mark passed I got a card from my bank instead.

Have a read here: ... dit-record
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014


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Post by gemma685 » Tue Jan 26, 2021 5:43 pm
Thank you

Is it normal for your score to not increase even slightly until after the 6 year mark?


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Post by kallis3 » Tue Jan 26, 2021 6:15 pm
Yea, it takes time.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.


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Post by MikeyM » Wed Jan 27, 2021 4:54 pm
I got an Aqua card with a £1500 limit just after the 6 years was up and IVA removed from credit file. Got it no problem. However a lesson learned in my previous life. Pay it off in full every month.

Shaun Vickery

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Post by Shaun Vickery » Thu Jan 28, 2021 11:49 am
Foggy's credit card suggestion is a good one - maintaining other credit is a positive influence on your credit file (use it, pay it off each month, and stay well within the limit). Personally I wouldn't worry who it is with - other lenders don't tend to look (or even see) that level of detail.
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