"In default" still on ClearScore 2 years post-BK

Worriedman Posts: 8 Forumite
Combo Breaker First Anniversary
edited 1 September 2022 at 5:01PM in Bankruptcy & living with it
Hi all,

I'm coming up to 2 years post-bankruptcy this month (discharged 12 months later) and have been making sure my credit file is as it should be, as my score on ClearScore is 71.

I noticed that one of the accounts included in my bankruptcy was still showing missed payments right up until last month. However, I've contacted them and they've agreed that this is a mistake and will change the last missed payment to the month of my bankruptcy, so that should boost my score a bit.

The confusing thing is that some of the accounts included in my bankruptcy are showing as 'closed' on my credit file, but others are showing as 'in default', although they have been updated to the month or just after of my bankruptcy, and there are no missed payments beyond my bankruptcy date. Is this normal, or do I need to do something about it? 

There's also a CCJ in the month and year of my bankruptcy that I knew nothing about, presumably because it got sent to an old address. Is this included in my bankruptcy even though it wasn't listed?

Thanks in advance.


  • sourcrates
    sourcrates Posts: 28,878 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    edited 5 September 2022 at 5:05PM
    As I have just posted on a DRO thread about virtually the same thing, the same advice applies to you too.

    Go to the Debt Camel website, look for "credit file clean up" after DRO/Bankruptcy/insolvency whatever applies to you, they give you good advice on how your file should be marked.

    CCJ`s are annulled by Bankruptcy, but there is no way to show that on your credit file, so although it can no longer be enforced, it can`t be removed either, it will sit there till the 6th anniversary, then drop off for good.

    Ignore the score, it means nothing, credit history and current circumstances are what matters, you won`t be getting credit for a while yet.
    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-letter
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