BRO - Does it stay on your file longer then a normal bankrupcy?

IF

laura325630 wrote: »

Thanks both. I have just checked the register and I am no longer listed!

I have recently tried to get a credit card with low limit to try to build my rating up but was declined. I got a credit report and it was still showing old debts that were taken into account on my bankrupcy???

Brilliant......that's good news, sorry I informed you wrongly :o

You will find companies report to one of the CRAs rather than all three, that's why it's suggested that you get your credit files from all three of the CRAs to see what's held on there. Also bear in mind some companies ignore the credit files and use their own credit scoring system.

- 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 ones and have said the information wasn't as good compared to the paper copies.

Essential reading thread by Fermi :-

Credit Reference File Clean Up Post Bankruptcy Sticky - [URL="http://forums.moneysavingexpert.com/showthread.html?t=677875
"]Click here[/URL]


If...x

fermi wrote: »

http://www.experian.co.uk/downloads/consumer/creditfileexplained.pdf

Which as far as the CRAs said when I asked, means it comes off when the BRO/U ends. 6 years or not.

I still could have been told wrong though.

Thanks Fermi :beer: