credit file/report

WLITC

just curious, I ordered my stautory report this week just to see what it looks like during BR and I have a few questions.

It shows my current bank accounts (which are running fine of course) and my mobile (which I didn't include in BR and have never missed a payment), as such, will these add to helping repair my credit once discharged?

Also I have several old settled accounts showing. These were settled way before BR (I didn't default on payments to current creditors until the last month before I went BR) so essentially they show that I was (despite the increasingly levels of debt) a excellent payer up until BR. So will these (at least until they fall off) have some positive impact on my credit file during the time I am discharged but waiting for the BR marker to fall off my file? BTW, before some one comments, I'm not interested in repairing my credit to get credit cards/loans, but looking down the line I would like to do as much as I can to repair once discharged so that I can move and rent/lease without too much issue or even get a mortgage one day. Also, I'd like it not too be an issue getting a phone line or a new mobile contract down the line if needed.

Doucam

Good questions WelshLad, but I think that the impact of BR is so great that anything else kind of fades away.

Oh eta that the new accounts and mobile running now will all of course help, I was meaning the old accounts that you paid off before BR.

I have got a cashplus card to help as well, for the same reasons as you, to move to new rented house or even maybe one day get back on the housing ladder.

superpete

Hey Ive been discharged about 3 years now, since BR ive had a current acc and a contract phone. Cant get the slightest hint of credit. even vanquis turned me down. nevermind only 3 years to go (hopefully)

WLITC

superpete wrote: »

Hey Ive been discharged about 3 years now, since BR ive had a current acc and a contract phone. Cant get the slightest hint of credit. even vanquis turned me down. nevermind only 3 years to go (hopefully)

Have you made sure your credit file has been cleaned up? Its odd how some people come out of BR and get some credit cards (all be it very high interest ones) or normal bank accounts and others have no luck whatsoever. I wonder if the ones that struggle are the ones that maybe don't clean up their files? Superpete, are you also on the electoral roll?