Updating My Credit File to show my bankruptcy

Starting_Over

I hope someone can advise me please.

I put myself into bankruptcy in 2009 and was discharged a year later.

I have worked hard since then, all on cash, no credit and all is fine now, no money worries at all.

I decided to try and rebuild my credit rating and have been through the MSE list, including checking my credit files. I have been onto the "CheckMyFile" web site to get my credit file/report. It still lists all the creidt cards and mortgagaes I had BEFORE the bankruptcy and it shows me as having an excellent credit rating!

I do feel it should be updated, but am concerned if I do, my credit rating will crash, currnelty have no credit, mobile phone.

What's teh best way to do this please?

fermi

First get the proper £2 statutory credit report from each Experian and Equifax.

See: http://www.moneysavingexpert.com/loans/check-free-credit-report#statfile

Checkmyfile is not reliable and does not hold all data.

Make sure you give all address you have lived at for the past 6 years or more.

Callcredit can be got free from: https://www.noddle.co.uk/

Then do: Credit Reference File Clean Up Post Bankruptcy

to check whether anything needs correcting,

tim69er

If you were made bankrupt in 2009 then details of all accounts will remain on your file until 6 years after your bankruptcy date.

Having said that you need to read the first sticky regarding cleaning your credit score as I have found many of my old accounts have not been made 'satisfied' and therefore the 'debt' remains.

Hazzinho

Just make sure all the default dates match your BR so everything drops off at the same time.

fermi

tim69er wrote: »

Having said that you need to read the first sticky regarding cleaning your credit score as I have found many of my old accounts have not been made 'satisfied' and therefore the 'debt' remains.

Satisfied or not satisfied makes not difference with a defaulted account pon when it drops off. It's 6 years from the default date no matter what.