a long time ago

deriktrotter

I went bankurpt just over ten years ago i was unempolyed at the time and shortly after this 6 to 8 months or so i moved back to my parents changed address and ive never apllyed for credit again till this day! I got on with my new life and just forgot about it all, now it has just occured to me that i never heard another thing about it maybe because i moved and i didnt tell anybody (cant remember being told to) is this ok normal? because i never got anything saying i was discharged or anything to sign after and i have zero paper work from that time , i ask because i was thinking of getting a credit card and a little worried that i missed something important thanks for any response

fatbelly

You need to do some checking:

Insolvency register

https://www.insolvencydirect.bis.gov.uk/eiir/

Credit files

https://www.experian.co.uk/consumer/statutory-report.html
https://www.equifax.co.uk/Products/credit/statutory-report.html
https://www.callcredit.co.uk/consumer-solutions/your-credit-report/statutory-credit-report

If all that is clear, you're good to go. I think discharge was automatic after quite a short period 10 years ago so, unless the OR asked for information that you never supplied, you were probably discharged automatically and nothing will be showing.

Hopefully you've had a bank account and are on the electoral roll, or the CRAs may have trouble identifying you.

deriktrotter

thanks for that ill look it to it yes ive always had a bank account at my parents but not on any electoral roll dont really live there

fatbelly

deriktrotter wrote: »

thanks for that ill look it to it yes ive always had a bank account at my parents but not on any electoral roll dont really live there

You may find it not easy to get a credit card. Try this pre-eligibility checker here