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Life after your IVA starts here
From completing your IVA to rebuilding your credit history, our guides walk you through the journey, one step at a time.
Note: This information is intended for people living in England, Wales and Northern Ireland. It provides general guidance, and not financial or debt advice. Reside in Scotland? - Visit our Trust Deed page instead.
Note: This information is intended for people living in England, Wales and Northern Ireland. It provides general guidance, and not financial or debt advice. Reside in Scotland? - Visit our Trust Deed page instead.
What you need to know about your credit history and IVAs
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Rebuilding your credit score takes time
Coming to the end of an IVA is a big deal. You’ve spent years working towards this point, and now you can hopefully start thinking less about the debt you’re leaving behind and more about what you want your money to help you do next.
When it comes to your credit score, it’s common to expect everything to change the moment your IVA ends. In reality, your credit history, and therefore your credit score, will  update over time. This can be over several months or even years.
When it comes to your credit score, it’s common to expect everything to change the moment your IVA ends. In reality, your credit history, and therefore your credit score, will  update over time. This can be over several months or even years.
Frequently asked questions
What’s the difference between an IVA and a Trust Deed?
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How long does an IVA stay on your credit report?
Why is my credit score still low after my IVA?
What should I do when my IVA finishes?
How do I rebuild my credit history?
Will I qualify for a mortgage after my IVA?
Can I pay off my IVA early?
Start building your credit today
Please wait until you’ve successfully completed your IVA before considering Loqbox membership.
Improvements to your credit score are not guaranteed.
Missing payments to Loqbox or other credit accounts may harm your score.
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