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After Completing an IVA

Luisa07 Forumite Posts: 6
First Post
I completed my IVA in Feb 2020 and now wish to improve my credit score. How can I go about this ? I have heard that the IVA still appears on credit reference agencies records for another year after completion ? if correct does this then automatically dispear after the 6th year? Lastly would it help to send a copy of my completion certificate to the three main reference agencies ?

KInd rgds



  • fatbelly
    fatbelly Forumite Posts: 19,194
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    It disappears from your file six years after the start date. No need to send anyone anything.
  • CarolTeddy
    CarolTeddy Forumite Posts: 3
    First Post
    I took out a Vanquis credit card to start to build a score from that. It’s high rate but I use it say for petrol or shopping then make sure I pay at the end of the month. I try and keep the amount I’ve spent under 20% of the credit limit. This has helped on my credit report. Hope that helps. 
  • Luisa07
    Luisa07 Forumite Posts: 6
    First Post
    Thanks Carol. I have just applied for one and what you have said were my thoughts. Just to use for petrol and clear off each month. Thankyou for your reply.
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