Post bankruptcy credit report

speedyblue66

Hi
My bankruptcy was in July 2013 and discharged July 2014, I left things for over 12 months before I decided to start to build up my credit and clean my file. I have 6 accounts showing on my credit report, 4 in default and 2 late payment. All 6 formed part of my bankruptcy and yet each month they are still all being updated as default/late payment. I've contacted some of the companies who've said they will adjust my files accordingly, and some have said its down to the likes of Noddle/Equifax etc to make these changes, as of today nothing has been changed.
So I'm a little confused as to what exactly my credit report should say, will it still be updated monthly showing default and late payment or should it show something else? I do have some credit a phone/catalogue/football season ticket all of which are up to date and are paid by direct debit, but my report is really poor to the point where even the likes of Vanquish and Aqua credit cards reject me on the soft credit checks.
Whilst I know it was my responsibility going into the bankruptcy, I've managed to turn things around but would really like to get my score up, it's less than a 3rd of the national average and less than half the 'in my area' score. Any advice given would be appreciated, thanks for reading.

philnicandevan

Irrespective of what you do bankruptcy stays on files for 6yrs so things will improve slightly when that drops off in another few years....credit scores are an irrelevent number anyhow its something most lenders these days ignore as they have their own procedures in house for scoring purps.

As far as your file entries they should show dates of no earlier than your date of bankruptcy they should say partially settled or default..if the agencies have not done as you asked you need to email or contact them again (i've usually found call credit/noddle etc pretty good to deal with online)

elljay

I do find the credit reports confusing, I've just had notification that the monthly update to my Clearscore one is available. As it's now 2 months since discharge, and as my score went up a bit last month, I fully expected it to go up a bit more, but no, it's dropped down again apparently because 2 of my old credit cards (incl in bankruptcy) have just gone into default!

Not sure why or how at this point in time. After all they defaulted when they defaulted, ie some time before going bankrupt. Not just now. Is there a definitive answer to what they should show and when? I'm not concerned about points etc, I shall never want a mortgage, loan etc but just want to be sure everything's doing what it should be doing. Should they show default from the month of becoming bankrupt and should they continue to show the same right up until the end of year 6? Or should they change/show something different as mine and the OPs do?

A4445

I'm cleaning up my file too....my bankruptcy is 6 years old this December, I've sent off letters to the relevant banks mainly the Lloyds banking group to get the accounts marked as settled. I'm afraid your credit score will remain poor until the defaults and bankruptcy come off! You won't get any "normal" credit.

You could try Capital One they gave me a card straight away even tho the Money Super Market soft check said I had 0% chance of getting it.