We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Insolvency register record

I checked out my credit score with Noddle and they had my bankruptcy register record (the one with the dates of your bankruptcy and most recent address). I thought this was taken off the register 3 months after the end of your bankruptcy. How come credit agencies get to keep it?

Comments

  • tom9112
    tom9112 Posts: 32 Forumite
    Part of the Furniture 10 Posts
    edited 7 May 2019 at 8:26PM
    The Bankruptcy Order will be on your Credit Report for at least 6 years.
  • luvchocolate
    luvchocolate Posts: 3,433 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Home Insurance Hacker!
    It comes off your credit file 6 years after your B.R date.
  • maxmycardagain
    maxmycardagain Posts: 5,853 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Your on the London Gazette for all of eternity as your crime against "The System" is so heinous
  • terrence45
    terrence45 Posts: 132 Forumite
    Your on the London Gazette for all of eternity as your crime against "The System" is so heinous

    :rotfl:

    Child-molesters get less!
  • maxmycardagain
    maxmycardagain Posts: 5,853 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    terrence45 wrote: »

    Child-molesters get less!


    Yes, but they havent defaulted a a loan or mortgage

    This is an injustice and a disproportionate punishment and needs a review
  • fatbelly
    fatbelly Posts: 23,255 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    All the credit reference agencies will record your bankruptcy for 6 years because this is a matter of historical record.

    Don't worry about your score but if you can get a (subprime?) credit card, pay it off in full each month, a bank account, maybe a mobile phone and get on the electoral roll then you are doing everything you can to improve your record.

    Also make sure that all the debts included in your bankruptcy have default dates that pre-date the bankruptcy.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.8K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.