www.iva.co.uk

Posted: **Fri Mar 20, 2020 3:31 pm**

Hi,

IVA fully off Register, Credit Reports (including Defaults) Jan 8th 2020. One of my Creditors was Barclays, if I am to apply for credit for a Laptop the credit is done by Barclays, will any of their internal records they keep stop me getting credit with them...?

Kind Regards

Posted: **Fri Mar 20, 2020 3:57 pm**

Maybe .. maybe not. Depends on the individual creditors. I have a credit card with Halifax now, and my previous Halifax credit card, included in my IVA, was with Halifax. So some do re-lend to previous defaulters.

Posted: **Sun Mar 22, 2020 1:18 pm**

Thank you.

Posted: **Sun Mar 22, 2020 1:44 pm**

Use a card that does a soft search which does not impact on your credit record.

Posted: **Thu Mar 26, 2020 12:30 pm**

Lenders' processes are (surprisingly) actually often not that 'joined up'! It's no guarantee but I'd be inclined to give it a go - they can only say no! BTW No prizes for asking which team you support I don't suppose?

www.iva.co.uk

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