Patience is a virtue

I know it's hard to hear as I was in the same position but patience really is something that needs to be learnt in an IVA. I've seen so many posts on hear from people say "how soon can I get credit", "how quickly will the IVA drop off my credit file", etc.


It's nearly 2 years since I completed my IVA and my credit rating is as good as is possible to achieve (I actually had to look twice when it read 999 out of 999!)
Yes I wanted to go out and get new things that I've had to forgo during the IVA but I didn't rush out to get a credit builder card or try to take out overpriced loans that charges extortionate fees.


With time everything does heal if you learn the lessons during the IVA of properly budgeting, preparing and being patient. So to all those still on their IVA, just finishing or recently finished... just be patient - it will all be alright in the end.