Credit Score Still Bad - After 10 Years!

RapidMongman

I went bankrupt around 10 years ago for 20k (all unsecured debt), and have slowly rebuilt my life to the point where i am pretty much a model financial individual (hope that makes sense!).

My wife and I have around 2.5k coming in each month - but we still have a rubbish credit rating even though the cc's we have and the loan we have are all paid each month (and represent only a small amount of our annual income). Some companies give us an instant "yes" (buying washes from the argos on buy now and pay in six months etc etc) - but some people still wont borrow us money (which ,dependant on the circumstances, can be very embarrassing).

I would like to rectify this situation - as surely our bankrupcy isnt an issue 10 years on?

Bokkens

Welcome to MSE,

http://search.moneysavingexpert.com/search?q=experian&site=default_collection&client=live_front8thjune&proxystylesheet=live_front8thjune&output=xml_no_dtd&btnG=Google+Search

Have a look at the hyperlink to one of Martin's pages and read some of the information there it should help.
Ideally use the links to experian and look at you/your partners credit reports and try and find out where the problem lies.
It could be something simple like a £100 debt that you have missed over the years.
Anyway have a good route through your credit file and see.
Post again on what you have or haven't found so we can hopefully help again.
Have a look at other credit building articles that Martin has written as these will also point out things that you may not have been aware of.Being on the Electoral register with your local council is definately a must.