Out of interest, what is a good mortgage company for people who've been in IVAs? (NO, I'm not looking for one for at least 2 1/2 years when I've finished MA and got steady full time job again). I've just turned into a forward planner!

Thank you anyway for your advice! I'll do some more research and see what's the best option.

I am looking for sources of free funding too, but they're limited for postgraduates.

Hi all - thanks for the advice (much appreciated). Experian was the one who says excellent, Equifax is fair and Callcredit is poor. I have to get Callcredit to update some details. I have just got a cash plus prepaid card, apparently you can add a credit builder function to it. Is it any good? I hat...

What if you just have a basic bank account that's up to date? Nothing else?

Thanks brokebryn! Will give it a look and see. Will also check why the credit score differs so much.

Hi All, well it's been 2 months since I got my certificate of completion and it's such a relief to know that it's all done and dusted. I've also got less than 1 month until it all drops off my credit report as I'm reaching 6 years since my IVA was registered. Since then, I've been busy trying to get...

Yes, it's a bit annoying and Experian asked me why I was worried about updating it as it would drop off soon. My stance is that although I went into default nearly 6 years ago, I have worked for that time to redress the situation and have done so successfully within the terms of my arrangement. So, ...

Yes, definitely and only taking out a minimal amount. Have saved quite a bit for my own fees but need a bit extra, without going crazy. Plus I've reduced necessary outgoings to minimum at moment and am getting exceptional at that. Not sure if I will get accepted though. At the end of the day, if I d...

Really? Thanks for the advice. Sounds scary. On google searches only Barclays and co-op bank show up as offering them. It's something I wouldn't go into lightly if at all. It would help though - if I did I'd start saving up now in order to pay it off and try taking as little out as possible. People ...

This has happened to me with Experian... Registering late payments after start of IVA. I just keep emailing Experian and the companies and telling them to update it as its incorrect. Most have been very good at updating but I keep a check on all details. If you're paying a subscription to Experian t...

Hi All, hope everyone is going into autumn with their sanity intact! It's been 2 months now since I got my certificate of completion (thanks Judith of DFD) and its been a relief to have it all done and dusted and that I am now looking forward. It's also coming up to 6 years since the IVA was registe...

Well done Julian! Just seen your post!

Thank you all!! Is a lovely way to start the weekend. Just remember when it gets tough that it DOES finish! Seems worse just before the end and you don't believe it will finish. But it does, and you'll feel free and proud of yourself! Remember to use this forum. It has a wealth of information, very ...

Hello All, Hope you are coping with the weather. I'm really pleased to say that yesterday Judith from DFD emailed me a scanned and signed copy of my Certificate of Completion! They are currently printing the cheques for creditors and the hard copy will then be in the post to me. Hopefully this will ...