Bankruptcy doesn't show on credit file???

stephenmcc_2

Am in the process of cleaning my credit file after bankrupt in Sept 2006 but looking at Experian & Equifax neither of them show by BR.

Is this normal? And would any potential future lenders have other means of finding this out?

magicgirl

i honestly couldn't tell you if its normal but is certainly true in my case. Until I 'cleaned up' my file so to speak, tehre was no record of it. I spoke to my bank recently and they were shocked as they couldn't see a record of it but i tried to open another account elsewhere and the BR showed. odd but true.

i do plan to have another look at my fle soon to see if any of my old creditors have changed stuff again since complying with my prev requests to show stuff as closed?!

fermi

Check that the previous addresses that the CRAs have for you match the one one your BR order. Even a small difference can sometimes stop it showing up.

The CRAs will have been informed of the BR, but it's just a question of working out why it hasn't been linked into the file you have requested. As magicgirl has shown, even if you can't see it on your report based on the details you have given the CRAs, sometimes a creditor will be able to from theirs.

Jessica23_2

That has happened to me too, it shows up on 2 out of the 3 CRA's, and on all 3 there is no record at all of my credit cards or my loan which were included in my BR. I also have different discharge dates on the ones which do show the BR, I am due to update my file on the 15th of this month so im wondering if it will show then. Its wierd but I suppose its a good thing?! My credit rating on the one that doesnt show the BR is around 780, it will be interesting to see what happens!