Help!!! cleaning up my Credit files after Bankrupty

Brightfuture2011

Hi , Everyone

After massive debts and living with 2 houses , one flat,Credit cards, Sercured loans ,Owing partners , Friends , sibling , and a Bmw loan.Living a life I couldnt afford!!!! I know now!!!!

I had to go bust 2 years ago.Let me tell you THE BEST THINK I have EVERY DONE!!

. I have been discharged of bankruptcy now for 2 years .So thats why I chose the profile name bright future .

My problem is now I still pay my OR alot of money and this does not run out till FEB 2013.Please make sure you understand I have no problem paying it because I do understand this is my fault . Can I stop paying because Am out of Bankruptcy ???

The Help I really need is how do I start!!! and repair !!! my smashed Credit file ??

Without paying all these high charges the companies want from me .

Am very willing to work at this over time .



Thanks so much anyone who looks and who helps

Ineedaname

If you had surplus during your BR year and agreed an IPA with the OR then you are bound to that for 36 months from when it was set up. If your financial circumstances change during that period then the IPA can be varied up or down. Check the agreement you signed.

As for rebuilding your credit files, have a read of the clean up thread as you can do that even with an IPA. You should also be able to start to rebuild your credit standing regardless of paying the OR an IPA.

What high charges are you paying and to whom at the moment and why are you so very desperate to repair your credit file now? Remember, the BR will be on your files for 6 years from your court date, you can't change that fact and it trumps anything else that appears on the file. But you can clean things up and make some progress in the meantime so you are in a better position when the BR does drop off.