I have been paying over £800 a month (yes £800 - not the best finantial expert in the world to get that much in debt) for almost three years and can't afford to buy a house because of this. Therefore how soon after the IVA completes does my credit score actually improve so that I then don't have to spend over the odds on a "special" mortgage because of a low credit score? I've heard it can still be up to another year later. Also if I received a large lump sum would it be best to pay the remaining IVA amount off or wait and let my credit score get cleared on it's own with the IVA completing as I believe this still doesn't improve even if you pay it off early? Thanks for any advice given.
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