Bankruptcy cleanup after 6 years

vonsworld

Time flies and I am pleased to say next year it will be 6 years since I became bankrupt.

Am I right in thinking that 6 years after the date of my bankruptcy (not the discharge) the bankruptcy notice should automatically be removed from my credit records?

I have a credit card from Vanquis, but other than that have not relied on credit too much in recent years, therefore I haven't bothered to clean up my credit file since my bankruptcy.

I know that there are some debts on my credit file which were part of the bankruptcy petition that are still not marked as satisfied or partially settled.

However when the BR notice is removed from my credit file next year, I presume that all debts that were part of the BR petition should also disappear, since they will also be 6 years old? If not will it be a straightforward process to contact the credit agencies and have them removed?

I have read the very useful sticky on this forum about cleaning up your credit record, but that refers to just after bankruptcy. I hope that after 6 years the cleanup process will be quite straightforward...?

Thanks for your advice

mazman83

Hi

Yes the BR will fall of after 6'years from BR date.


The cleanup sticky doesn't have to be for just after BR, so you need to have a look at your files to make sure they show correct details.

Accounts need to be defaulted no later than your BR date.

Accounts need to show settled, partially settled or satisfied no later than your discharge date.

If any are wrong then you need to send the letter in the sticky so it can be corrected.