Hi i completed my iva in september this year and it will come off my credit file in june 2019 i need to reportage my house to remove my ex husband i just wondered if i am better to wait until after june ? will this improve my chances of getting a mortgage ? or will doing it now make no difference? thanks kerry
Waiting until your credit file is clear will both make it easier as well as cheaper (especially in the long run) with access to more lenders at better rates.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/
Unless you are desperate to do something now, it certainly opens up more competitive options if you wait until your IVA is over 6 years since it started. If you are happy to wait then now is still a good time to start any preparatory work ahead of an application, checking your credit file is correct, making sure you are registered on the voters roll, making sure your bank account is well conducted etc.