What to do next?

what_happens_now?

Hello Everyone,

I apologise if all the answers to my questions are already here but there are so many threads I'm getting completely lost trying to figure out what to do now!

I am soon approaching the 1 year anniversary of my BR, I have heard nothing from my OR for a few months now (which I expected). The last I heard was a letter stating they were considering discharging me and I would be entered into an IPO. This has now been sorted out, I'm making my monthly payments to the OR.

1. Am I able to check whether I have been discharged without contacting the OR (as the letter also stated NOT to do this as it may slow down the process). Looking at other threads can i get this information from the insolvency website? I had a look but was unable to find anything that helped!

2. If i am discharged do i need to inform my creditors to make sure they are aware, so I can start building up my credit file?

3. Do I need to 'clean' my credit history?

4. Any suggestions what to do now? I have learnt a very big lesson from this experience. I have saved more money in the last 10 months than i have ever done in my life before, but now i would like to start working on my credit. What is the best way to go about this? Prepay cards seem like a good start!

Sorry again if the information is already here, and thanks for any help!

philnicandamy

what_happens_now? wrote: »

Hello Everyone,

I apologise if all the answers to my questions are already here but there are so many threads I'm getting completely lost trying to figure out what to do now!

I am soon approaching the 1 year anniversary of my BR, I have heard nothing from my OR for a few months now (which I expected). The last I heard was a letter stating they were considering discharging me and I would be entered into an IPO. This has now been sorted out, I'm making my monthly payments to the OR.

1. Am I able to check whether I have been discharged without contacting the OR (as the letter also stated NOT to do this as it may slow down the process). Looking at other threads can i get this information from the insolvency website? I had a look but was unable to find anything that helped! try sticking your details in here..... http://www.insolvency.gov.uk/eiir/

2. If i am discharged do i need to inform my creditors to make sure they are aware, so I can start building up my credit file? have a read here

http://forums.moneysavingexpert.com/showthread.html?t=677875

3. Do I need to 'clean' my credit history? it will help (see above)

4. Any suggestions what to do now? I have learnt a very big lesson from this experience. I have saved more money in the last 10 months than i have ever done in my life before, but now i would like to start working on my credit. What is the best way to go about this? Prepay cards seem like a good start! the clean up credit file sticky will help...your credit rating will only really improve with time i'm afraid (as the BR sits on your file for 6yrs)

Sorry again if the information is already here, and thanks for any help!

Just a few thoughts....