Excuse my ignorance on this but given that during the IVA, I will still have mobile phone contracts and one controlled and in-credit current account and utility bills being paid, is our credit rating really zero after the IVA or do these accrue any positive scores ?

We are planning to rent about two or three years AFTER our IVA completes. Even though our credit records shouldn't show the IVA, will we still have problems ? I keep reading of potential issues from having a "zero" credit rating and that this can be as bad as having a bad credit record. I'm a little...