My credit rating

jimbojimbojimbo

Hi Folks,

Hope all is well.

I filed for bankruptcy in 2010 due to getting well and truly caught in the property decline during the recession.

I basically had a property which dropped by over £100K in value so there was no way out other than to fold all my cards as such.

Since then I have been happily moving along with my bank account and no other forms of credit.

I have always assumed my credit history is now goosed for 6 years or so - however, I recently downloaded by Experian credit report.

According to the report my credit rating is excellent and the only negative on my file is not being on the electoral role which I am now sorting out.

Paying my broadband, direct debits, gas/electric, gym membership and keeping a small £300 over draft in order for many years seems to have built up a good score.

One thing that has caught me by surprise is that my bankruptcy is not on file anywhere ?? I assumed it stays on my file for 6 years?

Any help on as to why it's not there?

Thanks in advance.

Jimbo

Thrugelmir

Have you looked at your files held by all the CRA's ?

jimbojimbojimbo

who else could / should I check with?

I assume Experian is just one credit referencing company?

jimbojimbojimbo

surely this information would be stored on every CRA company?

thebritishbloke

You should also check Noddle (CallCredit) and Equifax.