Discharged and All change! What now?

JenniRae

Well, I got my early discharge certificate thingy through the post, a few months before the year is up, which is all good.
Now I'm a bit unsure what to do - I know there's a guide somewhere, but there was also a bit on th ebottom saying along the lines of ' you still have to comply with any request made by...' and I'm a bit confused by that - do I still have obligations to tell them my change of address or income and stuff?
(I didn't make any additional payments as I've not earnt very much this year, and I'm about to move)
There's a heck of a lot going on with me at the moment, so do I need to make time to do stuf NOW, or will it be okay to do stuff in a month when hopefully everythings calmed down?
Sorry for the brain explosion, I don't have much thinking space at the moment.
Thanks in advance.
x

IF

Hi JenniRae,

' you still have to comply with any request made by...'

If you have no IPA in place, then that is it, no more contact with OR/Moonbeaver unless you have any assets (house/insurance policy) that still needs dealing with.

I'd wait for two or three months then 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/online copies.

Essential reading Fermi’s thread:-

Credit Reference File Clean Up Post Bankruptcy Sticky - Click here


Best wishes
IF…x