We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Is it worth cleaning my credit history

Hi I was made bankrupt on 22 July 2008 meaning I only have about 11 months till the magic 6 years post bankruptcy date.
What I would like to know is, is it worth me bothering cleaning my credit file as I was looking at my history and there are about 4 defaults still on. Or if I wait until July next year will everything be clear on my file anyway.
Cheers for answers

Comments

  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    When was the last default dated?
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • dg141
    dg141 Posts: 28 Forumite
    Thanks for replying.
    Three of my defaults on my file are in September 2008 but the date of one account shows that my last default date was 5th December 2008.
    Thanks
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    In that case, if you don't get them corrected then between July and December next year you will still have defaults on your report that should not be there.

    If that will be an issue for you, then write to get them changed. If not, then it's your call really.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.3K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.4K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601.1K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.