After bankruptcy

eddie74

Hi all, 

hoping someone will have the answer to this, 
just over a year ago I took the first step to sorting my finances out and made myself bankrupt this has now been changed on my credit file to show that I am now a discharged bankrupt, 

my question is around CCJ’s I had three CCJ’s when I was declared bankrupt these have continued to show on my credit file as active throughout my bankruptcy and are still showing as that after discharge, 

so does anyone know if this is correct or should they be marked as satisfied or at least as inactive? Should I raise a dispute with the credit reference agencies? 

Hope you can help 

Eddie 

philnicandevan

Have a read here

https://forums.moneysavingexpert.com/discussion/677875/credit-reference-file-clean-up-post-bankruptcy#latest

sourcrates

There is no way to mark a CCJ thats been subject to bankrupcy, the judgements have been voided, and will drop off your file no later than your bankrupcy does.

Maverick1103

eddie74 said:

Hi all, 

hoping someone will have the answer to this, 
just over a year ago I took the first step to sorting my finances out and made myself bankrupt this has now been changed on my credit file to show that I am now a discharged bankrupt, 

my question is around CCJ’s I had three CCJ’s when I was declared bankrupt these have continued to show on my credit file as active throughout my bankruptcy and are still showing as that after discharge, 

so does anyone know if this is correct or should they be marked as satisfied or at least as inactive? Should I raise a dispute with the credit reference agencies? 

Hope you can help 

Eddie 

As already stated it will stay on there for 6 years, I know this because I've been discharged nearly 3 years now and my CCJ is nearly 4 years old and it still shows as active on my credit file, I even emailed my OR who earlier this year contacted the court on my behalf but I never heard anything back so I assume it's on there to stay.

It's frustrating as I recently tried to move and had a conversation with a letting agency and was upfront about my previous adverse credit history, they believe because it's still on my file it and it was a high amount (4.5k) the landlord wouldn't accept me even though I can prove I'm discharged and have been using Credit Ladder for some time to prove I've not missed rent payments in 2 years.

luvchocolate

Icedrist said:

You need to have strong nerves to survive it...

Rubbish...ignore