Clear credit record??

valetta30

I was made bankrupt in 2010 and had AD in 2011.

I have regularly checked and requested amendments to my credit record by the lenders.

I haven't checked them for the past year but have recently requested my £2 report from experian and equifax.... And although the BR is showing, none of the accounts that went into my BR are showing?
I look like I have a clear record 4 years after AD.

Is this usual?

Thanks.

owlet

The records drop off your file after 6 years so if any of your accounts were defaulted the year or so BEFORE your BR they will drop off your file 6 years from the default date. That's probably why they are not showing.
Your BR will drop off 6 years after your BR date not your AD date. Hope that makes sense.

dojoman

valetta30 wrote: »

I was made bankrupt in 2010 and had AD in 2011.

I have regularly checked and requested amendments to my credit record by the lenders.

I haven't checked them for the past year but have recently requested my £2 report from experian and equifax.... And although the BR is showing, none of the accounts that went into my BR are showing?
I look like I have a clear record 4 years after AD.

Is this usual?

Thanks.

While BR is still showing on your file you do not have a clean record. BR trumps all your other entries that were on there. You will have to wait for the BR to drop off before you can consider your record clean.