old bankrupcy order on Credit report

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skylark52
skylark52 Posts: 20 Forumite
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HI,


I've just checked my credit report prior to asking for a mortgage and found an old bankrupcy order from 2001 on there:eek:. I didn't even know I was ever made bankrupt! Now that is not strange as my late ex used my name on lots of credit cards etc, mostly didn't pay and kept everything hidden. But, I need to get rid of it and take it, it has expired now. How do I go about this?
Thanks x

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  • sourcrates
    sourcrates Posts: 28,943 Ambassador
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    Hi,


    You need to make a complaint to the ICO :


    https://ico.org.uk/


    You have two issues,

    (1) Its not your information,

    (2) And even if it were, it should have dropped off the file after 6 years.

    Complaints to the ICO take around 3 months, depending on their complexity.
    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
  • skylark52
    skylark52 Posts: 20 Forumite
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    Thanks so much....3 months???? OMG I need to get it clear much quicker or I will loose my house. Is that an average time/
  • sourcrates
    sourcrates Posts: 28,943 Ambassador
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    skylark52 wrote: »
    Thanks so much....3 months???? OMG I need to get it clear much quicker or I will loose my house. Is that an average time/


    Yes, thats what they state, but its the only way to get this resolved.
    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
  • Helpmeoutofthismess
    Helpmeoutofthismess Posts: 411 Forumite
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    If you did not know that you had been made bankrupt you need to check the insolvency service website https://www.gov.uk/search-bankruptcy-insolvency-register ,your discharge will probably have been suspended as the insolvency service were not able to get in contact with you. This would explain why the bankruptcy is still on your credit report, you will need to contact them.

    H
  • fatbelly
    fatbelly Posts: 20,613 Forumite
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    skylark52 wrote: »
    HI,


    I've just checked my credit report prior to asking for a mortgage and found an old bankrupcy order from 2001 on there:eek:. I didn't even know I was ever made bankrupt! Now that is not strange as my late ex used my name on lots of credit cards etc, mostly didn't pay and kept everything hidden. But, I need to get rid of it and take it, it has expired now. How do I go about this?
    Thanks x

    I don't want to scare you but before you start complaining to the CRA you should check the insolvency register

    https://www.insolvencydirect.bis.gov.uk/eiir/

    If you're on there then the CRA is reporting correctly. If you're not, it isn't.
  • skylark52
    skylark52 Posts: 20 Forumite
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    I'm a member of CreditReport and they have offered to deal with this for me. I have informed them of the advise given here and trust they know how to go about it. Thank you all for your help.
  • MovingForwards
    MovingForwards Posts: 16,965 Forumite
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    Why are you using a paid for service to view your credit reports?

    Credit karma
    Clearscore
    MSE credit Club

    All are free.
    Mortgage started 2020, aiming to clear it in 2026.
  • Flyright
    Flyright Posts: 424 Forumite
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    If your bankruptcy remains undischarged you will need to deal with the Official Receiver yourself.
  • skylark52
    skylark52 Posts: 20 Forumite
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    MovingForwards wrote: »
    Why are you using a paid for service to view your credit reports?

    Credit karma
    Clearscore
    MSE credit Club

    All are free.




    First of all because I wasn't aware of them and secondly, I have used them before years ago when I was left with lots of debts which weren't mine and they have been very helpful with advise. They are not just a credit check organisation but also help with legal advise.


    But thanks for that info. I will keep that in mind
  • terrence45
    terrence45 Posts: 132 Forumite
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    You were a member of Credit Report but didn't know you had a bankruptcy since 2001? Money well spent..
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