Credit file during Bankruptcy period

amizaki

Hi all,

I declared bankruptcy In early December '18. I stopped all the credit card repayment from 1/12/18.

I just checked my credit report at noddle where found different type of report from different credit card company like:

1. Some credit card company showing default for Dec'18, Jan'19


2. Some Credit Card company showing default for Jan'19


3. Some Credit Card company showing late payment for Dec'18, Jan'19

4. Some Credit Card Company showing late payment for Jan'19

5. One Credit Card Company surprisingly showing settled Jan'19

6. Some showing upto date Dec'18, Jan'19


I know it's too early to get clear idea as it will take time to update all creditors to update their records. But, ideally what should be on my credit report ? only one default or all default for full 12 months ? or late payment ok ?

Please let me know what exactly should be on the credit report and if necessary how long I should wait and then asking them to update my report properly ? should I wait 12 months or within next few months need to knock them?

Please share your expertise...

Thanks in advance

TheGardener

There is a sticky post at the top of the board that explains and deals with CF clean up - your default/satisfied or partially satisfied dates should be no later than your BR date.
Follow the process given in the sticky here
Although the post is old - its still valid.
The general advice is to wait a few months after discharge and then start the process of cleaning up.

amizaki

TheGardener wrote: »

There is a sticky post at the top of the board that explains and deals with CF clean up - your default/satisfied or partially satisfied dates should be no later than your BR date.
Follow the process given in the sticky here
Although the post is old - its still valid.
The general advice is to wait a few months after discharge and then start the process of cleaning up.

So you are saying I should go for credit report update after discharge date? Even, I can see their default date or late payment date are already showing wrong dates ?

Btw, I checked the link, which I think telling to clean up credit report after discharge date... isn't it ?

TheGardener

Yes - the sicky post is old now and in the 1st example, it gives a 7 mth discharge date (the IS trailed an early discharge scheme for low risk/asset BR's but with the reduced staff post 'austerity' its all they can do to keep up with the full 12 months) - that no longer happens - everyone is a full 12 months now.

Other than that the advice still stands. I would wait until you are AD - print off the page on the IS website that shows your discharge date (its only there for 3 months from the AD date) and then you can send copies to your creditors. Some creditors will have sorted things out themselves by then but I found the template letter sent to all creditors worked like magic and I got a prompt response and action with all but 1 creditor but even they sorted things in the end.

The tricky bit can be knowing who exactly to send the letters to. If you know all your creditors - find out now who/what office/address you should send these letters to.