Credit file still awful 5 years after Bankruptcy - help!

kittykat31

Hello,

I went bankrupt back in 2013 and my credit report is still looking grim. I just wanted to check - should the balance of accounts included in the balance say £0?

Many thanks!

foxy-stoat

As long as all the dates of defaults are all before the start of the BR they will all drop off the records next year - if any are after the start of the BR then you need to get them changed or wait until they are 6 years old.

National_Debtline

Hi kittykat31


All the debts that were included in the bankruptcy should show a £0 balance as you no longer owe anything. If that isn't the case complain to the creditors. As foxy-stoat says, all defaults should also have been registered no later than the date of the bankruptcy order.


Best wishes


Susie
@natdebtline

kittykat31

Thank you! I've written letters to them all as one had the wrong default date, and all except one still has a huge current balance. Thank you both for your help!