I have 5 basic bank account and one mobile and BT lines to exploit the idea that the banks report to the agencies to boost credit rating...but the caveat is with the history of big borrowing and payback obliterated......since my the IVA came in force - the combined effectiveness of all those tepid a...

Let us know how it turns out....I am intriqued and tired of seeing in a 'smoke fill' room.

I have a friend with no debt and a perfect CRF and has been offered 5.6% 5 yr fix from Barclays. He said it is the best deal that anyone can get with a 1k arrangement fee.He has a loan to value of 60%.

whichway now, I think unless you test the waters and actually try to get a mortgage no one will know for sure if you credit will stand the test.A phone contract is the thin end of this wedge.... I have no faith in none mainstream lender brokers and their overwrought exuberance babble and prevaricati...

K, The insurance covers both redundancy and medical conditons -causing unemployment so we can't separate the two clauses...If we can have two separate quotes then you are absolutely right and I would vote for it! I would pick 'NOT BEEN ABLE TO WORK DUE TO REDUNDANCY' the quote will be much cheaper.B...

I have done a search on the forum and I believe there was an attempt to get the Insolvency Service to recognise this insurance and almost make it 'recommendation' as one of their guidelines - like having to have insurance if you drive....makes excellent sense.No endorsement so far? If I request for ...

As said ,you may have finished the IVA early,defaults marked cleared - but the IVA judgement still be 'live' in the file - lenders will see that irrespectively. I am in an IVA and would not consider a FF because of this very techncality as you still be 'frozen' from the constricted mainstream lendin...

I have visted the website and had a good look.If it could be included in your IVA rather than paid for separately it woud be fantastic.I don't think any creditor will allow that as 'their expense'. Insurance is aways a good idea.But I think there is something here that looks like Payment protection ...

When I finish my IVA I will be 35,so I am still afar from claiming my pension.The younger people are less than likely than their wise peers to have paid 40 years for their 1st and 2nd state pension or/and work pension for a decent fixed income for life. With the rise in age in pension claim of 65 fo...

Its all very convienient to think that when the IVA is over, the money that used to be paid to the creditors will then be used to buy cars,big ticket items etc.No need for credit?? But you have to bear in mine that the current allowance given in an IVA would be defined as 'living in poverty". There ...

_____________________ Well reading the previous post, Bambi isn't bothered about building up the credit rating again _________________ If one doesn't use credit then how long will it take to buy a car, replace the home furnishing, etc etc in a family setting? Only a few people can get away with publ...

Great, now you have one other task after your IVA, rebuilt your credit file.....it is not credit thats bad,credit keeps the world going merrily along...its uncontrolled consumption thats the antithesis.We all got caught up with shopping therapy over the years racking up cards and why I ask....I stil...

One thing no one have said is that some are IVA 'factories' and some are more of the self employed type. If you looking for whose best - well there isn't one.Who are the best IP....well who knows? One of the experts, there are few here,guess who,had said in another post that the IP should be able to...

Andrew,

your wrote....
"risk-based pricing and affordability-based lending"

I hope{they)Banks don't overwrought this concept as they under wrought the previous models to simulate lending behaviour....the pinstripped men took us to the brink...!

Andrew, one rhetorical point I like to make is that the assets back securities pooled from student,auto loans etc) that lenders were selling off to investors in tranches through SPV to enable them to then lend more to people; no different to mortgage backed securities; have all but dried up....so th...

We can't do without debt, its the norm, and its what create prosperity,surprise to hear that - an irony yes but that's life.Its so obvious now given the debt bale out of the US - "government debt to bail out Bank debt to allow more lending to joe to fund his kids and 4 by 4 etc etc" My prediction - ...