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advice please
![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
[Deleted User]
Posts: 0 Newbie
hi
few years back i was in a right mess, boyfriend at the time racked up debt on my credit card, took out loans in my name etc
i tried to pay it off but ended up in so much debt that an IVA was the way forward
i paid that IVA off within 2 years and i'm now 17 months off that dropping off my credit file....
so as of today I have 4 defaults registered on my credit file and obviously the IVA.
i'm saving for a mortgage.... am i best waiting for the 17 months to occur?
few years back i was in a right mess, boyfriend at the time racked up debt on my credit card, took out loans in my name etc
i tried to pay it off but ended up in so much debt that an IVA was the way forward
i paid that IVA off within 2 years and i'm now 17 months off that dropping off my credit file....
so as of today I have 4 defaults registered on my credit file and obviously the IVA.
i'm saving for a mortgage.... am i best waiting for the 17 months to occur?
0
Comments
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You can apply still but you’ll need to use a broker who specialises in adverse credit histories.
Expect to pay higher rates etc.0 -
Sign up for CIFAS protection.0
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You will probably need 15-25% cash deposit. The longer you leave it the more you can save and the easier it will be to get reasonable rates.0
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Can't you report it as fraud?This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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