Is it worth the "SLOG" ?

welshturk

HI all

After reading the sticky @ the top of the forum i decided to post this:

I went bankrupt in jan 2006 after getting sucked into the debt management debacle (spectrum debt management) and following there instructions not to pay my bills for 6 months as they were sorting it they did nothing for me and after 4 instalments of £260 they told me right now we want £3000 to sort this out , obviously the rest is history and i went down the pan!

I was discharged in september 2006 and now i am trying to build me credit score, however upon joining experian i noticed lenders Blackhorse x 2 and HFO had put 3 defaults on my account for monies that were included in the bankruptcy dated AFTER my bankruptcy! and the HFO default was for monies my wife owed on her store card not mine?, both me and my wife went bankrupt but she can get credit like catalogues etc and i cant get anything at all ?

I have wrote to the companies and 2 of them are now showing as settled 1 still to do.

will i be able to get credit again once these all show settled?

many thanks

Nik

stintond

it depends on the lender , I dont think the high street banks will borrow but black horse might.

philnicandamy

Cleaning up your files is really only damage limitation although its in your best interests to do this..some companies in the past as FYP said have been known to try & chase a previous debt......while the bankruptcy sits on your files for 6yrs credit (although why you would want any) will be difficult to source

have you made sure all 3 files are showing what they should? no cifas markers etc?

fiveyearplan

You should always clean up your credit files anyway so that the debts can't be bought from scavenger DCAs.