Whoop! Discharged today!

ensenar

I haven't been on the forum for 6 months, but today I get AD!
Now to dig through the credit clean-up posts.

Another big thank you to all the regulars who post on here, as I wouldn't have got through bankruptcy without their posts.

X
:j

onward

Congratulations

Now get on and enjoy the rest of your life

IF

Hi ensenar and Congratulations from me too :beer:



If you can print off several copies from the insolvency service site, this will help with credit file clean up later.

Search Insolvency Register - Click here

Don't forget to click on your surname to bring up full details. Most creditors will accept this. Bear in mind your name will stay online for 3 months after your AD date and then disappear. You can contact your OR and ask for confirmation in writing some will do this for free, but some are charging £25 now or you can pay £70 for the official certificate of discharge from the court where you went BR (in some cases depending if you are on benefits/low income you can have this for free as well).

Wait for 2 or three months than begin your credit file clean up. Then 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

Callcredit - Click here
NB: You can't order it online, they would rather you pay £12 don’t do that just print off the application form, P.O. for £2 and post this recorded delivery.


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.

Essential reading Fermi’s thread:-

Credit Reference File Clean Up Post Bankruptcy Sticky - Click here


Best wishes
If…x

ensenar

Even more thanks for the extra information.. very much appreciated.

I did a little dance of joy when i saw my Discharged next to my name!

IF

ensenar wrote: »

Even more thanks for the extra information.. very much appreciated.

I did a little dance of joy when i saw my Discharged next to my name!

Your welcome :beer:

I did too