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raj.x
Starting Member
3 Posts |
 Posted - 20 July 2010 : 20:59:48
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Hi, I was made bankrut 6 years ago and have checked my credit status online with Experian. The date of my bankruptcy was in May 2004 and I was discharged in October 2004. As this information only stays on your credit file for 6 years do I have to write to the credit agencies and ask them to clear it from my account? Which date does the 6 years start from?
Thanks for any help and advice you could give me with this as the last 6 years have been a nightmare and I really want to clear all this up. |
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Bridgewood
Junior Member
United Kingdom
222 Posts |
Posted - 21 July 2010 : 09:27:31
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Hi raj.x
I'm not an expert on credit files, but my guess would be that it would be 6 years from the discharge date
Bridgewood specialise in helping people deal with their debts and make the most of their financial situation - providing free, no obligation debt advice.
We can also setup a complete range of solutions including debt management plans, IVA and bankruptcy support. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 21 July 2010 : 09:43:01
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As far as I know it's 6 years from the date of the BR order.
It may take a little while to drop off your file, but it might be worth you contacting Experian to check.
Have you checked Equifax and Callcredit as well?
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 30th June 2010 - it's over at last! |
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raj.x
Starting Member
3 Posts |
Posted - 21 July 2010 : 13:40:23
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Will I have to correct my reports on all 3 of the agencies then?
Don't they talk to each other??
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 21 July 2010 : 15:14:22
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Nope, unfortunately not! You will need to correct any errors with all 3 agencies. They don't all hold the same information so you might not find all of your creditors on each report.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 30th June 2010 - it's over at last! |
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raj.x
Starting Member
3 Posts |
Posted - 21 July 2010 : 15:25:14
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Whats the best way of doing this then?
I have an online Experian account and have written to them, so that fine.
I tried to join up with Equifax but their sign up process is so messed up I couldnt do it.
I havnt tried Call Credit. What is their online sign up process like? (If you know that is!)
Thanks for your replies by the way, I really appreciate them.
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Hi, I was made bankrupt 6 years ago
