Advice needed please

paulie78

Hi all

Im posting on behlaf of my uncle as he is not very literate nor is he pc savvy in the slightest but hes asked me to help though i am admittengly a bit out of my depth in this instance.
Back in 2007 he declared himself bankrupt he went through the entire process then afterwards paid the court for paperwork to prove his bankruptcy was finished recently he has been trying to get credit and flatly refused hes been in touch with experian who say that his file is clean but whenever he trys to get credit hes informed that there is a blockage.
Im not sure how i can help or exactly where to start or whom to contact i was hoping somebody here might be able to point me in the right direction ? we have repeatedly contacted experian who just say that everything is ok and theres no problem their end! so i am a bit stuck as to how to proceed

Thanks in advance

Paul

debtinfo

well the first thing that springs to mind is that the bankruptcy will show on his credit files for 6 years so will still be showing

paulie78

Ok i will double check i am sure that he paid to have his file cleared or something this is a bit of of my comfort zone to be honest hence posting here thanks for your help ill try and get a lil more info from him

tigerfeet2006

You don't pay someone to clean up your credit files. There is 3 CRA's that have to be checked as companies don't always go to Experian. Have a look at the Credit Reference Agency Clean Up Post Bankruptcy sticky.

The bankruptcy stays on his credit records for 6 years before dropping off.

What sort of credit is he trying to get? Trying multiple times will also throw up a red flag to lenders.

paulie78

Rightyo ok im not sure what he did but he mentioned something about paperwork re the bankruptcy order being finished and he had to get a certificate to prove it or something? hes a lil vague which is not helpfull nor has he retained any of his paperwork which really does not help as far as i know hes tried several times to get a contract mobile phone through vodaphone and every time has been told theres a "blockage" but when hes paid to have a credit check they have come back with an ok credit rating so i thought this would be the best place to try and make some sense out of whats occuring thanks to everyone so far for the help

oh and i shall be sure to have a read of the stickys thanks

debtinfo

what he probably means is that he has a good credit score, which he may have, but that means nothing if the bankruptcy still shows on you record which it will do for 6 years, All the certificate he got means is that the bankruptcy has finshed it doesent wipe out teh fact that he hadit in the first place, So probably worth waiting until next year when that drops off

paulie78

Righty ok that makes perfect sense to me lol thanks i shall relay the info may be back with more questions later though thanks once again i really appreciate the help :-)