Life after and IVA

Craig924

Hi guys, 

I have a quick question if anyone can help. On December 1st 2020 I paid off my IVA early it was due to end March 2021 but had an end of year bonus so cleared the rest off. The company, Creditfix, have been pretty vague and I can’t get a straight answer from them about what to do now.

The plan is obviously to now rebuild my credit but I’m unsure if it’s wise to start now. It should be removed from my credit report in November 2020 as that will will be 6 years since it began and according to ClearScore I am eligible for a credit building credit card at the moment. I am in a much better financial position now and want to build my credit so I can buy a property in the next 2 years but not sure if starting to rebuild my credit now is pointless until the IVA is officially cleared from my credit file. 

Will a credit building credit card even have an affect now?

Really appreciate any advice anyone can give me! 

Craig 

liggerz87

I could be wrong but I think you'd have to wait for the completion certificate I don't know tho someone more nolegable  will come along