bank still shows default

Bobbybaggio

Hello

I went bankrupt in 2011 and was successfully discharged from bankruptcy the following year. I've learned from past mistakes and kept up to date on all my bills etc.

earlier this year I decided to try get credit for home improvements and to move from prepay electric and gas. My applications were declined.

I decided to check my credit report and was surprised to find my old bank still claimed I owed them £5,000 and had defaulted on monthly payments for the past two years!

I'm trying to get it all fixed but not sure what I can do about my credit file. Will the bank have to update my file to show I didn't default on all those payments? I know my file will show I didn't pay off the money but it should incorrectly show I've not learned any lessons!

fermi

The bank should amend your credit file so that the original default date is no later than the date you went bankrupt, and mark it as settled/satisfied or partially settled/satisfied on the date you were discharged.

See for a letter etc ---> Credit Reference File Clean Up Post Bankruptcy

The default and bankruptcy order will still show on your file for 6 years from your BR date though, and as such you will find it very difficult to get any mainstream credit.

chanz4

The debt will go down to zero, the default will be there and so with the bankruptcy. With these on don't expect normal credit.