Discharged Bankrupt

Jamgeorge

Hi all
I was declared bankrupt in July 2012 and discharged from bankruptcy in 2013. So in July this year it will be off my credit report.
I am fully aware that I’m still a specialised case and that I have to declare the bankruptcy. My question is, should I go with a broker or straight to the building society? Too much conflicting info out there it’s confusing me so much.

Please help. Thanks

csgohan4

A broker who deals with adverse credit is your best bet, they will know which lender will suit you

ACG

Straight to the building society? Which one?
Most lenders need 6 years discharged (not 6 years from registration).
At 5 years discharged there are maybe 4-5 decent rate lenders I can think of where on the face of it you fit criteria. But without seeing your credit reports nobody can say.

Personally, I would use a broker. I do not mean to come across as biased when I say that, but more you will get questioned about it, there will be extra requirements and you may need to avoid certain lenders.