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Posted: Sun Jul 26, 2015 11:04 am
by evesy
Hi everyone
I'm hoping to buy a bed from next using the 0% finance deal. My iva is no longer on my credit file (came off June 15). Does anyone know if they ask the question- have you ever had an iva and if I declare it, what the outcome is likely to be?
Posted: Sun Jul 26, 2015 11:23 am
by kallis3
Hi,
Glad you are all sorted but - if you are asked the question you should answer honestly. What the outcome will be I don't know. Hopefully you will be ok.
Have you checked your credit record to make sure there are no defaults still registered?
Posted: Sun Jul 26, 2015 11:47 am
by Foggy
I don't think the "catalogue" credit questions are too onerous, but, before applying, check all three credit files and look out for any Notices of Correction mentioning the IVA as, if these have been added, they do not fall off automatically and you have to request their removal.
Posted: Sun Jul 26, 2015 12:20 pm
by evesy
Thank you for the replies. I don't have anything at all on my records. Could they decline me based on my past iva even though it's not on my file anymore
Posted: Sun Jul 26, 2015 12:26 pm
by lifenoteasy
Its pot luck - at the end of the day no-one is obligated to provide credit.
Posted: Sun Jul 26, 2015 12:51 pm
by kallis3
Sometimes it is down to the individual lender - some of them keep records after the six years. You'll have to take your chances.
Posted: Sun Jul 26, 2015 5:03 pm
by Adam Davies
Hi
You should not be asked about previous IVA, they will rely on the various credit record checks that they will make
Go ahead with your application and good luck
Regards
Posted: Sun Jul 26, 2015 6:36 pm
by Shining
Good luck with your application hope you get your new bed.x
Posted: Sun Jul 26, 2015 7:04 pm
by kallis3
Good luck - hope you are successful!