| Author |
 Topic  |
|
bubblyblonde
Junior Member
United Kingdom
179 Posts |
 Posted - 18 June 2008 : 12:23:48
|
Hi first time posting a message so please be kind . Ihave been discharged from bankruptcy for 6 years in jan. currently on my crf there shows 6 defaults ( all satisfied ) and 4 accounts that are active and run perfectly. My question is this in Jan when all record of defaults and bankruptcy are removed from my file showing only 4 good active accounts and 3 inactive but perfectly run accounts will my credit rating instantly improve ?
|
|
|
m and v
Average Member
United Kingdom
760 Posts |
Posted - 18 June 2008 : 12:44:51
|
Hi bubblyblonde - welcome to the forum!
I can't wait til I am posting saying it's six years since my BR!!
A BR assist expert will be on line soon to answer your question.
kind Regards
Vicki x |
 |
|
|
bubblyblonde
Junior Member
United Kingdom
179 Posts |
Posted - 18 June 2008 : 12:56:36
|
Hi Vicki
thanks for the welcome, Iknow 6 years seems like forever but beleive me it does fly indoesn#t seem like 6 years ago I had sheriffs officers knocking my door to give me my ccj !!!!! Although there are still times when I feel like a social leper but hopefully I can wave that goodbye in a few short months. IDuring this last year I've been whittling away at things to improve my credit rating in readiness for jan!! I got myself signed upto a creditbuilder pre paid card and made sure it always had £20 on it so that I never missed a fee coming out .. after 12 months this has shown on my credit file as a fully paid back 'loan' which I hope can't be a bad thing xx keep your chin up this'll be you before you know it xx |
|
|
|
m and v
Average Member
United Kingdom
760 Posts |
Posted - 18 June 2008 : 13:11:05
|
Thanks BubblyBlonde - the scary thing is in six years I will be 46 - now that does depress me! lol!
Vicki x |
|
|
|
bubblyblonde
Junior Member
United Kingdom
179 Posts |
Posted - 18 June 2008 : 13:12:41
|
| Yes Vicki, but 46 and debt free ...now how many 46 year olds can say that !!!! lol |
|
|
|
m and v
Average Member
United Kingdom
760 Posts |
Posted - 18 June 2008 : 15:18:12
|
True! Something to look forward to then!
Vicki x |
|
|
|
Porcorosso
Junior Member
United Kingdom
235 Posts |
Posted - 18 June 2008 : 17:53:37
|
God, I'm 44. The thought of being all clear at 50 sounds good!
The ostrich has taken his head out of the sand. |
|
|
|
m and v
Average Member
United Kingdom
760 Posts |
Posted - 18 June 2008 : 17:57:14
|
I hit the big 40 this year...it scares the wotsits out of me!
Vicki x |
|
|
|
bubblyblonde
Junior Member
United Kingdom
179 Posts |
Posted - 18 June 2008 : 18:00:55
|
| well i'VE JUST HIT 41 AND LIFE FOR ME STARTS AGAIN ON JAN 1ST !!! LOL |
|
|
|
m and v
Average Member
United Kingdom
760 Posts |
Posted - 18 June 2008 : 18:14:34
|
Think I might give 40 a miss and start again at 25! lol
Vicki x |
|
|
|
bubblyblonde
Junior Member
United Kingdom
179 Posts |
Posted - 18 June 2008 : 18:20:05
|
| WELL WITH NO MONEY WORRIES WE'LL HAVE NO AGE LINES TO GIVE OUR AGES AWAY !! LOL |
|
|
|
m and v
Average Member
United Kingdom
760 Posts |
Posted - 18 June 2008 : 18:26:05
|
....and a bit of colour on my stress related grey hairs!!
Vicki x |
|
|
|
bubblyblonde
Junior Member
United Kingdom
179 Posts |
Posted - 18 June 2008 : 18:29:14
|
| your 6 years will be up in no time honest and your stress related gray hairs will disappear too i promise xx |
|
|
|
bubblyblonde
Junior Member
United Kingdom
179 Posts |
Posted - 18 June 2008 : 18:32:14
|
| What time do the experts usually come on line , haven't had any answers to my origional message yet xx |
|
|
|
JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 19 June 2008 : 10:50:13
|
Hi Bubblyblonde,
Apologies for the delay in responding to your post.
After six years, everything comes off your credit file .Your assumption that your credit rating will improve is correct, but having no credit can be as harmful to your rating as bad credit. Again, with the creditbuilder cards etc, that's an excellent way to build your rating back up again. Be patient, it will happen!
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
|
|
|
Al_
Junior Member
182 Posts |
Posted - 19 June 2008 : 12:42:27
|
Julian and all,
Please can you provide me with as much information in relation to creditbuilder cards, their names, etc. and general ways in which to build / enhance my credit history and file.
Also, early discharges....is the only benefit to this the fact the the 'six year rule' is achieved quicker?
Al. |
|
|
|
Topic |
|
will my credit rating instantly improve ?
