www.iva.co.uk

Individual Voluntary Arrangement (IVA)

Have a read here https://www.iva.co.uk/what-does-an-iva- ... dit-record

Wait for certificate and put the champagne on ice As a northerner it might be a 6 pack of Stella

How long do you have to go? My own certificate took 6 months after the last payment before it landed on my mat.

Your iva can complete once it's reached it's in agreement term. we'll ensure you have finished all of your regular payments as arranged call at your IVA’s proposal, and we can make sure that you have complied with all of your other obligations, like the potential realization of any assets. Once this has been confirmed, you may be notified that your marsh plant has completed with success and you will be sent a ‘certificate of completion’ to prove this. Once your iva has with success completed any outstanding balances are written-off you may be officially debt-free.

You might find this quick video I made about cleaning up your credit record useful:

https://youtu.be/PV4RzUY4BRM
Credit Karma, Clearscore and Totally Money are also free credit agencies to consider using:
https://www.creditkarma.co.uk/
https://www.clearscore.com/
https://www.totallymoney.com/

Thank you for your suggestions guys!