www.iva.co.uk

We paid our IVA off with a F&F payment last October,after alot of e-mails we have finally been told that the paper work is on the way to us and all our creditors have been informed. We need to take out a small loan for home improvements, how long before our credit will be ok to do this ? Thanks

Hi and welcome

Your credit rating/file will be affected for six years from the start of your IVA even though it has been settled early

Regards

You ought to get your file for a 2 quid fee say from Equifax or Experian.
Check through it.
Don't rely on 3rd party assurances as mistakes and delays can occur in credit entries.
Once it show no defaults,no court judgements,and iva entry removed, then approach lenders.