6 year Anniversary Come & Gone but Bankruptcy Still on my Credit File

Jodybuk

Hi,
Monday of this week saw the end of a long , stressful, shameful 6 years for my husband & I.
We were both declared bankrupt on 10/12/2012 , discharged a year later.
This morning I have checked our credit files & my husbands is now as clean a a whistle but mine is still through the floor & my bankruptcy is still showing as a negative factor.
Can anyone shed any light on why his has dropped off but mine is still firmly in place.
It’s was a joint bankruptcy as such with us both having equal debt , the same 1 creditor (HMRC) , the same judge, joint appointments with the insolvency service etc.
I’m a bit baffled as to what I need to do now.
Thanks in Ada nice for any advice.

PrettyKittyKat

Do the debts included still show? Do they have default dates on? If they do what date is the default from?

Jodybuk

No... no detail, just that I have a bankruptcy....

fermi

Are you checking your credit file directly with Experian, Equifax, Callcredit, or using a 3rd party one (noddle/clearscore etc).

[Deleted User]

Depending on what file you are using, the last update may have been BEFORE 10/12.

For example MSE updates monthly. If the last update was on the 9th, it'll still be visible to you until 9th January - however it will have dropped off your "actual" report (that lenders see if you were to apply for something today).

Same with Clearscore.

Could message all 3 agencies to be sure though - I don't even think you'd need to give "proof" - it should be showing on credit file as registered 10/12/2012 and so they know it's expired by now and will manually remove without any antics.