Discharged BR and credit rating and house question

CoffeeBean_2

Hi
I was discharged March 2015 after being declared BR March 2014. I pay an IPO which will finish in June 2017.
I just have a couple of questions if anyone can shed any light?
Firstly, the 2yr 3 month mark will be June 2016. Will I hear from the OR regarding getting a valuation on my house (it is owned) to see if there is any equity in it? Or should I just do this? The house prices are not great and I bought in 2008 at peak so I cannot see there being any equity but am just wondering about this process.
Secondly, I want to start to try and rebuild my credit rating. I am in the process of checking Equifax and the other sites to check everything. One thing is to get a credit card to improve my rating. This scares me but having discussed it with my OH I thought I could get one (which obviously will be high interest due to my BR) and simply use it for petrol each month and pay it off monthly in full. I am wondering whether I need to wait to have finished paying my IPO to do this or now I am discharged can I do it now?
I just don't want to be doing anything wrong.
I didn't even realise I had been discharged until I contacted the OR late last year to advise them of my change of name, they advised me that I was discharged but they would just make a note I had contacted them.
Many Thanks in advance.
CB

Johnsmith2016

Dont understand your house valuation question?

You can appy for credit after discharge which is 12 months. Try vanquis.

Get your credit reports, make sure any defaults are not after your bankcruptcy date, and get them to mark the account settled/satisfied in some way on your discharge date. Letter templates to do this are on this forum.

TheGardener

I have no personal experience of the house thing but from what I often see on the forum - the OR should contact you about the house if they think its worth it. They may have already checked out the house prices as 'desktop research' (zoopla etc) and if they think its worth it they will contact you.
I have always been of the opinion that you contact the OR when you legally have to or to ask a question - but don't answer questions the OR hasn't asked...

CoffeeBean_2

Thank you for the responses.
Sorry my question about the house didn't make sense. I a basically wondering whether the OR will only contact me should they think there is equity in it. I am not overly worried though and have been checking recently purchased houses on my street and my house is still in negativity equity.
I think I will apply for a CC then to rebuild my CR and just use it for petrol and pay off in full. I guess it scares me that I can still get credit, I don't want it and will be sensible and pay it off each month but it stiull scares me!!
CB