Debt still showing on credit file after bankruptcy

theoverthinker

Hi all

Wondering if someone can shed some light on this for me please - I'll try explain as much as I can. I declared bankruptcy just over a year ago (and now discharged whoop!) yet when I check my credit file on Noddle and Totally Money it is showing that there are still some debts there showing as default totaling around £5k and there are also active CCJs - this worries me as everything was included in my bankruptcy so wondering why these are still showing? Debts totaled just under £19k when I went bankrupt.

Hoping someone can shed some light on this for me. Thanks

anna_1977

I think I'm correct in saying that the CCJ's/Defaults etc will stay on your credit file for 6 years after the date of issue, regardless of BR.

I'm sure someone with more knowledge will also comment

theoverthinker

yeah my issue is though that it still says I have "open accounts" which are still showing a sum of debt - and that also the CCJs are still active - I know that all debts, ccjs, bankruptcies etc. stay on file for at least 6 years

anna_1977

sorry, didn't read properly

Hopefully someone like Sourcrates will come and advise correctly

sourcrates

Hi,

You need to raise a complaint with the creditors concerned.

The defaults should show your bankruptcy date or be dated prior to that date, the CCJ'S should be marked as satisfied as they are extinguished in bankruptcy.

Not all creditors are on the ball with these things.

theoverthinker

Great thanks you I will contact them