Bankruptcy not showing on credit file?

lindsaygalaxy

This morning I signed up to experian as I have been trying to clean up equifax recently. The address is on there for when I declared the br but it is not showing on the account?

It also says that a negative is that I have no settled accounts. Does that mean I should try get a small loan or something to show paying something off? I cant get a new basic bank account so not sure I would get a loan!

I was declared br 08/2008. Discharged 8 months later.

fiveyearplan

I've heard of a few people that don't appear to have their BR showing on their credit file. The entry is at the front usually before all the creditor entries.

If it isn't there I'd say that was a bonus!

Experian_company_representative

Did you provide your full six year address history when you ordered your report? Very unusual for us not to have this, even though it's now five years ago. On settled accounts, it's important to try to keep your credit history ticking over. Successfully managing and completing credit agreements is positive evidence another lender can rely on. Perhaps a credit builder credit card might be an easy route to building a more substantial credit profile?

James Jones

ghostfinder

My BR was on noddle within a month

lindsaygalaxy

I have all my addresses on there. Under 'Public Record Information' there is nothing there. Im a bit worried its something that I cant see but when it comes to applying for credit they can? Could it be anything to do with my name? I included my middle name, would that effect what it is showing?

lindsaygalaxy

Noddle and equifax both showed straight away.