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When you come out the other side....
Last month I finished my IVA which is an incredible feeling. This week I received my certificate from the IP and I also finished paying off another large debt (by proxy of my father for my little house, long story) and for the first time since I was 17 I do not owe anyone a penny. (I'm 28 now)
My credit report is obviously shattered, what is the best option for repairing it? Presently I'm not even allowed a standard current account; I have to use a teenager’s basic bank account. Credit Card companies won't touch me either.
My next step is to save and buy a house; I need my credit rating sufficiently repaired to successfully obtain a mortgage by the time I've saved up.
Any ideas?
My credit report is obviously shattered, what is the best option for repairing it? Presently I'm not even allowed a standard current account; I have to use a teenager’s basic bank account. Credit Card companies won't touch me either.
My next step is to save and buy a house; I need my credit rating sufficiently repaired to successfully obtain a mortgage by the time I've saved up.
Any ideas?
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Comments
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I've just seen this.... I need to open my eyes a bit.
forums.moneysavingexpert.com/showthread.html?t=12860630 -
Just wanted to say well done for completing your IVA!!Mummy to DS May 08 and DD Oct 09
Started joint IVA in Nov 09 - 13 payments down 47 to go!
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Well done on getting through it.
Do the CRA clean up, that will help.
Try the Co-op Cashminder or the Barclays Cash account for a bank account.BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0
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