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Posted: Mon Dec 02, 2013 10:46 am
by shez_a
hi .Me and my husband had a joint iva started in aug 2008 we completed our iva in aug 2013 . when looking at our credit files my husband iva has been removed from experian and creditexpert and on equifax states iva discharged 2009 . he has a score of 999 with experian .would he be able to get a mortgage .thanks
Posted: Mon Dec 02, 2013 10:49 am
by Shining
Hi, worth having a chat with Ryan or Shaun the mortgage experts of the forum. They can be contacted via the ask experts a Question link to the left (scroll down to obtain their contact details). Generally it takes 6 years for the IVA to drop off your credit files.
Posted: Wed Dec 04, 2013 4:03 am
by luluj
As Lesley suggests Ryan or Shaun are best placed to advise, but whilst it on your credit file then it may be more difficult but not impossible. Have you got the completion certificate yet ? Not having this may cause a slight delay ... But let the experts advise further
Posted: Wed Dec 04, 2013 5:28 pm
by Ryan
Hi,
Lenders can now use all 3 credit reference agencies, so until it is off of all 3 of these, it would be unlikely you would be able to obtain a mortgage until August 2014.