Ex-bankrupt with lots of previous creditors - how to get best picture of credit?

dd32d

I was recently discharged from bankruptcy and over the next few months will start to "clear up" my credit file (i.e writing to creditors to correct the information to show satisfied etc).

Just signed up with Clearscore, who only seem to use Equifax. Clearscore is only showing about 8 of my creditors, but I have around 15-18 creditors.

How can I get the best overall picture of my credit file and previous creditors? No point in me correcting my file if a lot of my creditors are missing.

Which is the best option for finding a complete report of all of my creditors?

I have so many creditors from a long time ago and genuinely cannot remember all of the companies I had credit with - I have around 15-18 at a guess but cannot remember all the company names.

A4445

You need to check all 3 credit reference agencies.

You can use Noddle for Call Credit that's free. Experian do a free trial as well but cancel after the month as Its expencive!

Congrats on being discharged :j

dd32d

A4445 wrote: »

You need to check all 3 credit reference agencies.

You can use Noddle for Call Credit that's free. Experian do a free trial as well but cancel after the month as Its expencive!

Congrats on being discharged :j

Thanks.

So Call Credit, Experian and Equifax are the main credit report agencies.

In future, if/when I apply for credit (won't be for several years), do companies generally check a particular agency or all 3?

A4445

They are the three that lenders use. Some will search all, others 2 and some with just one.

Don't worry to much the 6 years will fly by! Been there myself! You may wish to start rebuilding maybe try Vanquis or JD Williams. I didn't apply for anything for almost the whole 6 years!