I have been sorting out my credit score which has increased! after 6 years I just thought I would try applying for credit and got £200 with a catalogue. (Which I won't be spending) My name is still on the insolvency register I have sent them my completion certificate and they said it would take 5 days to remove but it's been 10 and it's still there I want to apply for a mortgage does my name need to be off this register before I can look into this or do they just look at my credit score!
There was a small fee to pay but we didn't want to have to explain the IVA over and over to different lenders or run the risk of a refusal ruining our newly acquired good credit ratings.
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