Bankruptcy Credit Reference File Clean Up - Discussion

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  • Mckenna
    Mckenna Posts: 41 Forumite
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    Does anyone know how we obtain details of the court we need to apply too for a certificate? My court is listed as the office of the adjudicator however this appears to not be a court on the directory ..so i am unsure where to lodge my paperwork.
  • Aaronn94
    Aaronn94 Posts: 3 Newbie
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    Has anyone been successful with a credit card application to rebuild credit after having defaults marked settled post bankruptcy?
  • sourcrates
    sourcrates Posts: 28,891 Ambassador
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    Mckenna said:
    Does anyone know how we obtain details of the court we need to apply too for a certificate? My court is listed as the office of the adjudicator however this appears to not be a court on the directory ..so i am unsure where to lodge my paperwork.
    What certificate are you wanting, one to say your bankruptcy has completed?

    If so, you apply to the insolvency service, not the courts.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • sourcrates
    sourcrates Posts: 28,891 Ambassador
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    Aaronn94 said:
    Has anyone been successful with a credit card application to rebuild credit after having defaults marked settled post bankruptcy?
    Yes, at a guess many hundreds of thousands, time is a great healer, and there is always someone wanting your business post-bankruptcy.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Aaronn94
    Aaronn94 Posts: 3 Newbie
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    Thank you I'll just keep waiting then,
    I don't need credit anymore but have been saving to buy a house after speaking to a mortgage broker they've told me I need to rebuild my credit rating and start small just buy petrol on a credit card repay in full 3 days after purchase and that should help trouble is no cc companies want to entertain me currently
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