Post bankruptcy help please x

bubblebum1982

Hi,

I declared myself bankrupt back In August 2007 after a messy divorce I was discharged a year later. I've never had any reason since to want to obtain credit but upon checking my credit report I've noticed that all 9 creditors included in my bankruptcy, still show on the report as a default and un-satisfied.
I don't really know how all this works but I assumed that after the initial period of the year in which your bankrupt - everything would then be marked as satisfied or closed?? am I wrong?
If so, how do I go about sorting this out as I fear my credit report is going to cause future problems

Many thanks xx

IF

Hi bubblebum1982, August 2013 your BR will drop off your credit files. But you you'll need to get all three credit files and make sure that:

- The default date is on or before your BR date.
- The current balance is marked as settled/satisfied in some way.


Click on blue links below:-

Experian - Click here

Equifax - Click here
NB: Equifax was the only one that I couldn`t order online, print off the application form and post this recorded delivery.

Callcredit - Click here
NB: Others have had trouble here too, they would rather you pay £12 don’t do that just print off the application form and post this recorded delivery too.


They are £2 each for paper copies. Some people have used the online one's and have said the information was very poor compared to the paper copies.

Then follow Fermi’s thread:-

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


Best wishes
If...x

bubblebum1982

Hi, many thanks for that - i'll get started ordering my files then make a start from there xxx