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My wife and I have recently just cleared up an IVA leaving us a 0 credit rating. Building a credit rating has been so difficult and been turned down on numerous occasions. We have had out rating checked and everything is fine. End of this year me and my wife are both retiring, both receiving a very large but well deserved lump sum. With the money that we receive we are planning to go travelling but the problem we have is that to book a hotel abroad you must be able to supply a visa or mastercard to do so.
If anyone that reads this could point us in the right direction it would be much appreciated.
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