First Look At My Credit File

fortgrange

In April it's 6 years since my bankruptcy. Today I took the first look at my credit file (Experian). Not really a case a burying my head in the sand just felt I had no need to check as credit has been the last thing on my mind. I was lucky enough to keep my house.

Not really knowing what to expect I was surprised to see that there was nothing on there relating to the company's that I owed money to when I went BR, they have all fallen off, is this normal?

I did expect to see something about my previous indiscretions (It states I was made BR) but all that was on there was my current creditors, mortgage and mobile.

I'm not complaining just a little surprised.

fermi

If your creditors defaulted your accounts before you were made BR and those defaults were more than 6 years ago, then yes, they would all have fallen off by now leaving just the BR itself to go in April.

fortgrange

Thank you for the clarification. Some were defaulted before Bankruptcy but a few a knew nothing about it as I wasn't behind with payments.

I went BR when I was given 2 weeks notice on a contract worth 90% of my turnover I'd been doing for over 20 years, so it all happened rather quickly!!

A lesson well learned as I'll never put all my eggs in nearly one basket again.Thanks once again.