bankruptcy and credit

stodgy88

i went bankrupt in august 2009 and got early discharge in march 2010,since then the only credit i have applied for was a card for people with bad credit about 6 months ago, i lost my house ,and on application form i put down previous address ,which opened a pandoras box of phone calls and letters from creditors all included in my bankruptcy. I threatened them with the OR ,and they stopped ,but brought back painful memories. i have been saving money from my wages and can apply for a loan ,but i,m afraid that when i put previous address down the calls and letters will start again,can i avoid this -thanks.

fermi

Have you been through your credit files and made sure that all your old debts are marked as settled/satisfied in some way?

See: Credit Reference File Clean Up Post Bankruptcy

Do that, and if has the added effect of forcing whoever has the accounts now to acknowledge the bankruptcy and accept that the debts are defunct. Meaning that you are much less likely to get chased for them again.

stodgy88

thanks for prompt reply.

stodgy88

if i left the previous address blank would i ( A ) be breaking the law ( still show up with name and date of birth -thanks.