Discharged :)

Just a quick update...

Wrote to all four of my previous creditors alerting them of my recent discharge, three of them have acknowledged & also stated that they will update their records and the relevant ones will also alter my original default dates to reflect on my original BR date, as well as settling or partially settling the accounts so pretty happy about that most importantly. I also posted out copies of my discharge certificate to all of them as well.

Moving forward I also decided to apply for a couple of credit building credit cards last week to try and get straight onto repairing my credit file further. Firstly, Vanquis referred me and said they would get in touch due to them having to carry out further security checks. Secondly, Capital One initially referred me for extra checks, but to my amazement then sent an approval email a few hours later complete with a starting credit limit of £200.

Vanquis rang two nights later after the initial application and spent a good half an hour on the phone answering a lot of questions, to which eventually led to them accepting me for a card as well with a starting limit of £250.

Not bad going at all really, though I've not heard nor had any postal correspondence from Vanquis since the follow up phone call the other night. Capital One have already sent me my PIN and set up my online account. Capital One's card is a lower interest rate so I may just stick with them moving forward and eventually cancel the Vanquis one if it's still going ahead.

Liam.

BobbyEwing wrote: »

Hi
Did both credit card companies ask for proof of discharge as you applied so close to your bankruptcy ending?

Nope, neither of them asked for proof from me. I applied for both cards the following day after the discharge. I did a new ClearScore credit report just before applying for both of them and it already showed me as discharged so I imagine when both companies did the credit checks on me, they would see that I am discharged.

For further insight, I also did the "soft search" eligibility checker for both cards before applying to see what chances I had. Both of them said I would be approved if I applied.

Liam.

Potbellypig wrote: »

Have all your debts wiped off to then go back into debt a year later. Seems logical.

Perhaps you should look on the positive outlook of this rather than attempt to somewhat criticise me based on my financial past. At the end of the day you don't know anything about me, nor do I know anything about you... I like to think that it can stay that way. As already explained by another member on here and I shouldn't really have to spell out the obvious, I've merely only gone for a credit card in order to start repairing my credit file. Seems pretty logical to me I reckon ?? :think:

spruk wrote: »

Congratulations on the discharge, I'm discharged in three weeks and can't help but count down the days.

All the best for the future.

Thank you mate And all the best to you as well for when you are discharged as well, the last three weeks for you will hopefully fly by.

Liam.