Iva now completed.. what happens next

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thugusher

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Post by thugusher » Sat Jul 26, 2008 6:59 pm
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hi! i completed my iva in April and have received my discharge letter. i am thinking of building my credit again and was thinking of applying for a credit card. can anyone recommend a good one that i can apply to?
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kallis3

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Post by kallis3 » Sat Jul 26, 2008 8:14 pm
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Hi Thugusher and congratulations on completing your IVA.

Your credit record is still going to be shot, so I doubt if anyone would touch you at the moment.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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pennyfortheguy

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Post by pennyfortheguy » Sat Jul 26, 2008 8:16 pm
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Don't get a credit card! Too risky to fall into more debt! if you need a card for travel/expenses, etc get a pre-paid c/card. You do not need to undergo a credit check for a pre-paid card. I have a Tuxedo & it works ok. Avoid further debt temptation at all cost!
Last edited by pennyfortheguy on Sat Jul 26, 2008 11:35 pm, edited 1 time in total.
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aguise

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Post by aguise » Sun Jul 27, 2008 8:43 am
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Hi there thugusher
I would think that you will find it difficult at present to get one as the iva is stll on your credit file for six years from the start of the iva, so if only just completed then you will still have probs for a further year.
Personally I wont want one at the end of mine I dont want any credit again, but can understand the need to rebuild your credit if you want to get a mortgage etc.

Ang
Please visit my blog at http://aguise.blogs.iva.co.uk/
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Adam Davies

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Post by Adam Davies » Sun Jul 27, 2008 7:10 pm
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Hi
Try Vanquis
Regards
Andam Davies
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Soulgrowth

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Post by Soulgrowth » Sun Jul 27, 2008 10:12 pm
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Interesting site Andy ... strange but looking at it simply scared me ... the mere thought of a credit card and spending money which is not my own again.

Does it work in helping to rebuild credit history in terms of getting back on to a high street rate mortgage I wonder?

Debbie
Debbie
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