Credit report

Momofthree_2

Hi all

Just having a look at mine and husbands credit reports.

Husband BR 16 april 2018 still showing as Bankruptcy order (correct)

Mine Feb 2019. Now say discharged: undefined. This has come as a surprise, obviously not complaining but ??? Also had 1 CCJ from December, included in BR and also says discharged: undefined.

Am i really discharged after 2 months? This seems very wrong...

Thanks
L

KeepOnKnitting

Are you just using the free ones? I am not convinced of their accuracy. Clearscore doesn't show my bankruptcy at all, as if it never happened. MSE credit club shows me going bankrupt twice on the same day. I understand that you get a more accurate report if you go the CRA and pay the £2 admin charge for the statutory report, but I haven't tried. This was told to me by a mortgage broker, but may be nonsense.

luvchocolate

If you go on the I.S website and search your name, it will show your status.

A4445

Errors do happen Equifax stoped reporting my bankruptcy after about 3 years I’m not sure of the exact time. I’m not sure how it happened.

[Deleted User]

KeepOnKnitting wrote: »

This was told to me by a mortgage broker, but may be nonsense.

Yes, it is.

TheGardener

KeepOnKnitting wrote: »

...get a more accurate report if you go the CRA and pay the £2 admin charge for the statutory report, but I haven't tried. This was told to me by a mortgage broker, but may be nonsense.

Equifax and Experian do seem to be the main CFAs and paying the £2 for your statutory report isn't nonsense, its the cheapest way to get an full report. However, whether both the above are any more accurate is debatable. In my experience they have been.