Well yes I most certainly agree!

But I gave an honest answer. Beleive me, being in IVA will teach you a good lesson about credit that hopefully you will never forget. But if you need to get a mortgage or car loan in the future its worth SENSIBLY building back up your credit rating.

Hi SC S, Thats not entirely true. I had to change banks just before entering into my IVA and within in a year they were offering me a credit card and overdraft. When i completed my IVA early i applied for credit again and now have an interest free credit card through my bank and another lender and w...

Hi Tony, Thanks for getting back to me.

Is there any Brokers you would recommend?

Also, Six years from the commencement of the IVA is when this information is permanently removed from your credit file? or will there always be evidence of the IVA to protential lenders?

Thanks again,Sarah

Hi Welsh boy, I wondered if i could pick your brains about the bad credit mortgage market. My husband and I entered into an IVA back in DECember 2004 which was completed early in August 2007 via a full and Final Lump sum settlement. We are looking to get a mortgage and would like to know the realist...