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 I am confused about my credit check.
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scottyuk
Starting Member



United Kingdom
21 Posts

Posted - 21 March 2010 :  23:36:30  Show Profile  Reply with Quote
I am confused about my credit check. I used Experian and can see only one debt which is for a very large amount...even with just that one debt I will need to declare bankrupcy. My main concern is declaring my debts because I know I have more but they are not listed, obviosly when I do go BR I need to put all my creditors down on the list...I am wondering why they are not al there.....I have been hiding from this for a while now and dont know who I owe money to ot how much I owe.

chester2005
Average Member



United Kingdom
786 Posts

Posted - 22 March 2010 :  01:14:32  Show Profile  Reply with Quote
there are 3 credit reference agencies
experian (credit expert)
equifax
call credit

if you check all 3 that will give you a better idea of your total creditors

even if you cannot find on your credit files debts you know about they will still need to be listed on your SOA and your unsecured debts will be cleared in BR
even debts you do not know about or forget about can still be included afterwards

Dave

Don't worry or know that worrying is as effective as trying to solve an algebra equation by chewing bubble gum.(Baz Lurhman)
RevivaUK and Paul Johns helped me through it all i can't recommend them enough!!
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scottofleeds
Starting Member

United Kingdom
5 Posts

Posted - 22 March 2010 :  06:35:00  Show Profile  Reply with Quote
Thanks. I entered another address and all my debts have now come up. It was very tough confronting them but at least its a start.
I was considering another route but something inside me tells me that its worth trying to sort this out.

Scott
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Richard P
Senior Member



United Kingdom
1701 Posts

Posted - 22 March 2010 :  13:51:15  Show Profile  Reply with Quote
scott

you state in your last entry that you are considering another route

before trying to reinvent the wheel speak to one of the experts listed to the left, they will have the experience and expertise to establish if the other route is worth trying !

I recomend Paul and his team at Reviva, speak to a couple of the experts and see if they can assist

regards Richard
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