Help after BR

INAMESS

Hi all, last time i came on here was last year looking for advice as i was thinking of going BR, well i went BR in December and a couple of weeks ago i got my letter saying i had been discharged early, all good so far, what i would like to know is are there still restrictions in place for me even though i have been discharged?? Also are there things i should be doing now ive been discharged to do with my previous debt or my future money situation?? Do i need to be proactive with anything?? I had some good advice last time i came on here so hoping for the same now Cheers

confused76

hi there congratulations on your ED!

was an IPA put in place for you where you pay back something each month?

INAMESS

Hi thanks for the message, no there was no IPA, ive not had to pay any money back thank god......lol

IF

Hi INAMESS, then if you have no IPA.......your free!! I'd wait a few months and then clear up your credit file.

Fermi’s, Credit Reference File Clean Up Post Bankruptcy Sticky - [URL="http://forums.moneysavingexpert.com/showthread.html?t=677875
"]Click here[/URL]

Congratulations on your ED

Best wishes
If...x

INAMESS

Hi so all i really need to do is clear up my credit file?? How do i do that? When would be the best time to start etc? Cheers

philnicandamy

follow the instructions in IF's post above...you dont have to do the cleanup BUT if you do it can help if any problems pop up later down the line

best time to start it? straight away although I usually tell folks to leave it a month or two after discharge

dojoman

Well done on your early ED

Doucam

Congrats on the early ED. I got ED in June, it's a good feeling isn't it?!!

INAMESS

Hi thanks for the good wishes How do people build up their credit rating after bankruptcy? I guess cleaning up the file is the start but what about after that?

INAMESS

Hi has anyone any thoughts on how you build up your credit rating after BR??