Nearly at 6 years... credit file

KJ2886

In July it will  be 6 years since being bankrupt 
There's still issues on my credit file.
2 of the 3 say my lloyds bank account is still 'active' and recorded defaults since July.
It's only on mse/experian is down as under default/ended (still shows balance tho, all others say £0) but has a date of September rather than July as default date in 2017

I spoke to lloyds who say my account is closed
Is there anything I should be doing, or will it drop off anyway when 6 years Is up, or not if it says open still somewhere

Also, is it worth getting a credit card around now to build up my score? 

sourcrates

You should have gone through the process referred too as "credit file clean up after insolvency/bankruptcy".

Basically all your accounts should show a default date no later than the date of your bankruptcy, the debt camel website explains the process in depth.

Everything will drop off your file on the 6th anniversary, so if we are only talking a couple of months difference, its hardly worth the bother to get it put right.

Obviously if we were talking a difference of a year or more, then a complaint should be made, but for two months its not worth the bother.

KJ2886

Tha k you, 

Yeah everything else looks OK, accounts closed and most defaults around my bankruptcy date

It's just this lloyds one, one credit reference agency says closed, default date only 2 months after bankruptcy so not too bad, but still say open and marked as a D every month on the other 2 credit reference agencies.