Credit file & Overdraft

Blonde19

Hi,

Hope everyone is well......just been trying to sort out my credit history over the last 4 months (god its a stressful thing isnt it) and I have sucessfully had some incorrect information removed on there.
The query I have is that in April 2009 I filed for bankrupcy and 6 months later I was discharged, when I ordered my credit files from Equifax and Experian I noticed that there was nothing on there with regards to my bankrupcy both on the paper format and the internet format.

Can anyone advise me what to do or what has happened??....and also if applying for an overdraft with my bank will get turned down because of the bankrupcy although there is nothing on my reports?

I look forward to your replies.

Thanks
Blonde19

IF

Blonde, unsure about this......just bumping you up the board x

skylight

I would say that it's an error that your BR is not on your credit file; it should be and therefore knowing that, you should rectify that.

However, by doing that you are going to scupper your chances of an overdraft as it's less likely you will get one. How have you managed to get a current account with an OD facility anyway??

Blonde19

Hi,

Thanks for the replies....Sorry I think your confused, I only have a current account with NO overdraft as yet but this is what I want to apply for.

With regards to my credit files they have no record of my bankrupcy at all but they do have the address showing as a 'linked address' where I went bankrupt...Would this affect my chances of credit?

Also does anyone know if there are higher powers than experian and equifax at which the banks perform the credit check?

I look forward to your reply.

Blonde19