Here are some top tips for improving your credit score with an IVA:
Pay off any outstanding debt in full (including credit cards, loans, and similar). If that’s not possible, just pay as much as you can.
Make sure you’re listed on the electoral roll.
Consider reviewing the number of credit cards and accounts you’ve got open. Even if they don’t have outstanding balances.
Use your available credit in a sensible way. For example, make small purchases on your credit card and pay off the balance in full each month. That can help build your score because it shows that you’re making repayments on time.
Another option is to wait until your IVA has dropped off your credit file.
Read more tips on boosting your credit rating before applying for a mortgage.