credit rating when bankruptcy drops off

Andybez38

As I believe bankruptcy no longer shows on your credit record files after 6 years firstly correct me if I'm wrong. A couple of questions I have.
What immediate effect does this have on your credit score when the bankrupcy drops off. Also if there is anything showing on your credit history, ie default etc which was listed in the bankruptcy. Can I ask for these accounts to be removed from my credit files. Thank you in advance.

owlet

Yes the bankruptcy will drop off your credit file 6 years from it being granted (not discharge).

Defaults from accounts included in your BR should be dated as of the BR date or before. They should then drop off at the same time.

If the default dates are dated after your BR, read the sticky at the top of this forum about cleaning up your credit files.

maxmycardagain

But on the London Gazette your branded FOR LIFE, no forget that, FOR EVER.......infinity, till the end of time, your great, great, great, great, great, great........great grandchildren will be able to read about you

sort of comforting int it

not

DCFC79

Andybez38 wrote: »

As I believe bankruptcy no longer shows on your credit record files after 6 years firstly correct me if I'm wrong. A couple of questions I have.
What immediate effect does this have on your credit score when the bankrupcy drops off. Also if there is anything showing on your credit history, ie default etc which was listed in the bankruptcy. Can I ask for these accounts to be removed from my credit files. Thank you in advance.

Don't worry about your credit score, Ill trade you a chocolate hob nob and a digestive for your credit score. Focus on getting the details correct.