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An IVA will have an effect on your credit rating since it might be recorded on your own credit rating file for six several years within the day it can be agreed.電子錢包攻略家庭開支 家用／水電煤／寬頻入油【信用卡交租】信用卡交租賺現金回贈比較與教學An IVA and bankruptcy are both kinds of insolvency (monetar