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

edited 1 September 2022 at 4:01PM in Bankruptcy & living with it
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WorriedmanWorriedman Forumite
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edited 1 September 2022 at 4:01PM 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.


  • edited 5 September 2022 at 4:05PM
    sourcratessourcrates Forumite
    26.5K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 5 September 2022 at 4:05PM
    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.
    Ex MSE Board Guide.

    More than a third of IVA`s fail....fact.
    Could A Debt Relief Order help you ?
    Never pay a fee for a Debt Management Plan.
    For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
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