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4 weeks till discharge..
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bcfc1710
Posts: 133 Forumite
Literally can’t wait and am so happy I took the plunge!! Anyway I currently check my credit report on credit karma. Is this one ok to check statues after a month or should I be signing upto another one.
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You absolutely want to check your credit records with the three main CRAs.
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Which ones are they? Experian ??MinuteNoodles said:You absolutely want to check your credit records with the three main CRAs.0 -
Hi, the four recommended credit agencies are :
- TransUnion (previously Callcredit)
- Equifax
- Experian
- Crediva but I also use ClearScore (run by Equifax though), Totally Money and Credit Karma UK. You can also join Experian through MSE. It doesn't help to check more than one, if you have the time of course! They should all have the same information about you and if they don't, you can query them. Good luck and congratulations!
Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.1 -
Yes give it a couple of months to give them chance to update1
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Today’s the day!! Boom! Nothing has changed tho. Is it because it’s a sunday? When should I expect credit report to update to discharged?0
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They update on a monthly basis usually.Congratulations by the way.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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Give the credit reports a month or so.
If you want to see something positive though..go onto the Insolvency Service and find your name..click on your name and status will show discharged.
This stays there for 3 months so maybe print a couple off for reference1 -
Congratulations! Definitely second the thing about print off your discharge from the website. I have lost mine now so at some point I might need to pay to get a proper one from the IS.Save £12k in 2025 #33 £2531.77/£5000 (If this carries on I might have to up my target!)
April take lunch to work goal - 3 of 120 -
So after your discharged does that mean you can get credit again?
is it one year to get discharged?0 -
You are discharged after 1 year(unless you don't cooperate, when they can extend this). Yes you can get credit again, but your credit worthiness will be pretty low for 5 more years. Poor credit, credit cards, payday or similar loans, mobile phone contracts, etc you can get. Overdrafts,loans and credit cards with high street banks generally aren't an option until 5 years post discharge
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