www.iva.co.uk

Hi I am after some info from anyone who has completed an IVA and gone on to buy a car! Just wondered how long after completion anyone was able to get decent interest rate finance or a PCP?

Is your IVA still showing on your credit record?

I am still on the register 3 months up on 9/5th but its not showing on ClearScore or noddle I have contacted Experian As well I can’t see any corrections I am trying not to obsess over the scores ( it has gone down a bit ) It takes experian over a month to reply to emails

Unfortunately for me I had to replace my car around 3 months before the end of my IVA which I managed to do with the agreement of Stepchange and with the only lender tat would deal with someone in an IVA at an interest rate of 49%

In Oct I changed my car again, just over two year since the end on my IVA, and was accepted for a loan at around 4%

I maybe being a bit optimistic about changing my car this year then !