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How to improve your credit rating

It is likely that you will need to borrow money at some point in your life, whether to buy a house or a new suit.

Every time you do, lenders check credit ratings to decide whether you are a suitable person to lend to, using a process known as credit scoring.

IVA's explained

An Individual Voluntary Arrangement, or IVA, allows a debtor to avoid bankruptcy by coming to an agreement with creditors to pay off a percentage of his or her debts over a given period.