Not at all Sponge,as the comments bear out my own thinking -- the luck of the draw is which CRA any future lender uses, as well as the individual criteria of said lenders.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
nonewdebt. Interesting point, I just cannot remember my Equifax, but sure my callcredit along with Experian was v.good post IVA. Still it's good to bank information