www.iva.co.uk

Hey all,

I’m not longer in IVA and I’ve had completition certificate but I still have 3 years left before the data drops off my file. I have been accepted for a card which I intend to use 20/30 a month and pay it in full. My question is is this really worth it Now or wait until everything drops off ?

To my mind it helps establish a history of sensible usage, but don't use it like clockwork, be a bit more random.

I agree with Foggy.