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 Forum Questions
 What happens 6 years after bankruptcy ?
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Angie
New Member

United Kingdom
81 Posts

Posted - 30 August 2011 :  20:49:18  Show Profile  Reply with Quote
I was discharged from bankruptcy in May 2009. I have not cleared up my credit file. Is it true the file will clear itself up after 6 years anyway? What happens after 6 years?
Many thanks Angie

Skippy
forum expert



United Kingdom
3290 Posts

Posted - 30 August 2011 :  22:07:59  Show Profile  Reply with Quote
After 6 years the BR will drop off your credit file. Any defaults will remain until 6 years after they we issued, regardless of whether your BR has dropped off.

View my blog at http://skippy13.blogs.iva.co.uk/

Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.

Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side.
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Angie
New Member

United Kingdom
81 Posts

Posted - 31 August 2011 :  10:21:39  Show Profile  Reply with Quote
Any defaults will remain 6 years after they were issued regardless of bankruptcy? If defaults are issued is not bankruptcy the next step? How does bankruptcy go away after 6 years and defaults still remain? Any totally confused?
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Viki.W
forum expert



United Kingdom
2211 Posts

Posted - 31 August 2011 :  11:20:57  Show Profile  Reply with Quote
Hi Angie,

You need to clean up your credit file and make sure none of your creditors have issued defaults after your bankruptcy date. If they have you need to contact them, if they haven't then the defaults will drop off at the same time as the bankruptcy.



Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/
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Viki.W
forum expert



United Kingdom
2211 Posts

Posted - 31 August 2011 :  11:33:57  Show Profile  Reply with Quote
Here is a link that may help you:

http://forums.moneysavingexpert.com/showthread.php?t=677875



Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/
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