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Renting with a Guarantor Who Had an IVA
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Get a glowing reference from your current landlord (paid rent on time, looked after property, got along with neighbours etc) - they are worth a great deal in the eyes of a LL. Its not a way round the guarantor issue but every little helps to make you look like a tenant worth having.0
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notmyrealusername wrote: »Going on the dates given her credit files would be totally clear of any issues aso any landlord/lettings agent would be none the wiser.
The IVA is removed six years from the START date of the IVA, so if it ran for the full five years and ended 3 years ago it would no longer be on her credit files, or the insolvency register.
She might need to check there are no incorrectly dated defaults showing, the defaults cannot be after her IVA started so again if everything ran as it should and she's not defaulted since the IVA then her credit files will be sparkly clean. If there are wrongly dated defaults this is very easily fixed by contacting the companies concerned, although the debts will likely have been sold on to a debt recovery company so you jsut contact them instead.
Thank you so much. I've clarifed this information as well. Taken a weight off my mind.0
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