Okay, been discharged for a week now, so thought it was time to check out the damage on Experian. Not all of my debts that I went bankrupt for are on there (gave addresses for last 9 years). Those that are on there only 3 show default and of them 2 say satisfied and only one shows a sum outstanding. Q. If I write to those showing default will it be removed? (it says satisfied next to it) I was also given the chance to check my credit score..... which I did (just to check) and to my surprise it came back with 888 which puts me in the good bracket and in the top 29% of the country ! Guess something is wrong!
Because they are not an official record just the club that the credit companys choose to be part of. There are at least 3 credit ref agencies, different creditors update differnt ones
Also the Official Receiver does not directly inform the credit reference agencies of the bankruptcy, if they show it,it is because they have picked it up from elsewhere
as debt info states experian, equifax and XXX (my mind has gone blank) are the three main credit ref agencies between them they will hold all of the information.
so it may be that you will have to write to all of your creditors as listed on your statement of affairs all of the info will stay on file for 6 yrs
Credit File / Score
Posted - 11 July 2010 : 18:54:37
