Hi I was declared bankrupt in may 2006 and have recently tried to obtain a credit but have been declined. Why is this? I thought that once my bankruptcy had been discharged and 6 years had gone by I would be able to obtain credit again. Is this not the case? Thanks.
You need to check all 3 credit reference agencies, experian, equifax and call credit and see what information is on there as you may need to clean up your credit file.
You may find that you have defaults added after the date of default - if so then you need to contact the creditors concerned to tell them to remove the defaults.
You do need to enclose a copy of your discharge certificate.
Follow through Make your dreams come true Don't give up the fight You will be alright 'Cause there's no one like you in the universe
also remember that if you do nothing in the 6 years, you will essentialy have no credit history rather than bad credit history which is almost as mad, you generally have to start small and work your way up
Obtaining credit 6 years after BR discharge ?
Posted - 02 December 2011 : 10:52:56
