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Done to death I'm sure but....Next steps
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sacha28
Posts: 881 Forumite
Good morning!
I was discharged 3rd March...am I to expect some sort of notification through the post or anything? I only know about the discharge because I had an email from credit karma to say there had been an update on my file and the notice of discharge was there
for some reason clear score updated 2 days ago but its not showing on there, would there be a reason for that?
What do I need to do now? Will I get a certificate of discharge or anything that I can use if needed? Also, whilst checking my report following the email, I noticed that one of my creditors has reported a default post discharge, what do I need to do about this please? Sorry if these are all very stupid questions
I was discharged 3rd March...am I to expect some sort of notification through the post or anything? I only know about the discharge because I had an email from credit karma to say there had been an update on my file and the notice of discharge was there
for some reason clear score updated 2 days ago but its not showing on there, would there be a reason for that?What do I need to do now? Will I get a certificate of discharge or anything that I can use if needed? Also, whilst checking my report following the email, I noticed that one of my creditors has reported a default post discharge, what do I need to do about this please? Sorry if these are all very stupid questions
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No, you don`t get anything unless you request it from the OR`s office.
Go to the debt camel website, search for "credit file clean up" its the same process for IVA/DRO/Bankruptcy etc.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 -
Thanks sourcrates, as alwayssourcrates said:No, you don`t get anything unless you request it from the OR`s office.
Go to the debt camel website, search for "credit file clean up" its the same process for IVA/DRO/Bankruptcy etc. seems a shame you don't get any kind of certificate automatically, almost an anticlimax 
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Hi sacha28
You could log on the Individual Insolvency Register (IIR) - Home. Search your name and print off a copy/s as proof should you need it. I believe it will remain on there for 3 months and then gets removed.
Congratulations on your discharge.
Kind regards.0 -
Thank you! Just done this 😀 could I just ask...how does it appear on your file once discharged? What I mean is, does it show as "default" or "settled"? And is it the date bankruptcy was granted, or the date of discharge? Sorry, just trying to get my head around things.RestlessOverDebt said:Hi sacha28
You could log on the Individual Insolvency Register (IIR) - Home. Search your name and print off a copy/s as proof should you need it. I believe it will remain on there for 3 months and then gets removed.
Congratulations on your discharge.
Kind regards.0 -
It just say`s "discharged" that`s it, nothing fancy.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-letter0
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Sorry, what I meant was what should it say on each creditor now I've been discharged - settled, default etc?sourcrates said:It just say`s "discharged" that`s it, nothing fancy.0 -
All your old credit debts need to show is the default date, which must be the date of your bankruptcy or prior to it.sacha28 said:
Sorry, what I meant was what should it say on each creditor now I've been discharged - settled, default etc?sourcrates said:It just say`s "discharged" that`s it, nothing fancy.
That`s it, six years from that date, the entries will drop off your file.
Some creditors may mark your file as satisfied, others may not, the debt hasn`t been satisfied, its been written off by bankruptcy, so normally the date of default is all that matters.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-letter2 -
Sorry if I'm being a bit stupid but is that the date bankruptcy was granted, or discharge date?
Sorry to be a pain, you've been very helpful 🙂0 -
The date you were officially BR..
EG
Bankrupt Jan 20th 2021
Discharged Jan 20th 2022
Your accounts should show missed payments up until you BR date.
Hope this helps 👍1
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