Discharged, credit file confusion 28 July 2022 at 2:38PM in Bankruptcy & living with it 6 replies 316 views

patternsandshapes

Hello, I've recently been discharged from my bankruptcy which has been a HUGE weight off my shoulders and a (pleasant) anti-climax!

Just checking my credit file reports to see if my discharge is reflected in them and if I need to do any clean up as per the advice found on here and I'm unsure as to what I'm finding.  Here's what I've done:

- Checkmyfile.com - Free trial account from a couple of months ago, showed my BR and current bank account, no mention of any active debts (an old CC showed as Settled - this was not part of the BR as was settled previous to BR.)

- Equifax - Shows BR as Discharged, same account information as above - i.e. bank account and settled CC.

- Experian - Unable to even get past the first page of the sign up process, so cannot create an account.

- Transunion - Tried making an account, confirmed with email, then "failed" the security questions about past financial account activity so couldn't create an account. How you can "fail" questions about your own life I have no idea but they seem to have false information that I don't know how to answer, so they are also a no-go.

So, the only credit agency I can access directly is Equifax. Checkmyfile wants £15 if I want to access a more up to date report than the one from a couple of months back, which I don't have spare so can't access that (I know I should've waited until now to use the free trial).

So given that Equifax shows my BR as discharged and neither they nor Experian or Transunion through Checkmyfile make any mention of ANY of the debts cleared by my BR, does that mean my credit file is cleared?

Sorry for long winded post, but it always seems I run in to these weird/unique problems when dealing with these companies, no idea why!

Thanks.

patternsandshapes

Was my question too complicated or did nobody know the answer?

I was just asking if it's normal for NONE of the debts that were included in my [discharged] BR to show up on credit file reports - is this a sign that they've been cleared, or that the credit rating agencies information is wrong/incomplete somehow?

RAS

When did you default on those debts? They automatically disappear after 6 years.

sourcrates

As above, if you declared bankruptcy say 5 years after your debts defaulted, then your discharge date would have been at a similar time to your accounts hitting the 6 year mark, so none of them would now show on your credit reports.

If that statement is incorrect, and the defaults were no where near their 6 year time limit, then it must be another reason why they are not showing.

Occasionally a bankruptcy or an insolvency can be taken as a dispute, in which case your accounts are hidden from view by the CRA`s, on rare occasions creditors just stop reporting them for no apparent reason, although this is most likely with individual debts, not a whole bunch of them.

So it could be for any number of reasons why this has happened.

patternsandshapes

Thank you for your replies - I've just recently been discharged so it was a little over 12 months ago that my BR began.I thought I might have over-explained things so wasn't as clear on that as I should've been sorry about that.

This is why I was a bit concerned about none of the debts included in my BR showing up as I knew they were not supposed to dissappear from your credit reference for the full 6 years - iirc there are about 6 separate accounts with 4 different creditors.

As I said all 3 CRAs show the same results - they do show my BR, but none of the debt accounts related to it, although I can only see the results from Experian and TransUnion through Checkmyfile.com as for some reason cannot even sign-up for those two (I've tried different browsers, different email etc).

sourcrates

Well what`s not there can`t hurt you, right....I wouldn`t worry about it.

patternsandshapes

sourcrates said:

Well what`s not there can`t hurt you, right....I wouldn`t worry about it.

Hahaha that's one way of looking at it, I guess maybe I'm overthinking it, my fears keep telling me it can't be this easy and it's going to bite me in the !!!!!! sooner or later that's all. Thanks for the reply any way!