You are allowed to obtain credit once you have completed your IVA, however, you may find it difficult due to an adverse credit rating. Credit reference agencies usually hold information on your credit file for 6 years, so it may take time to build up your credit score again.
It is possible to help improve your credit history by maintaining, for example, mobile phone contract payments and other such payments. It is advisable to seek further information on how to improve your credit rating at the conclusion of your IVA.