•Bankruptcy Information Center
•What is Bankruptcy?
•Is Bankruptcy right for me?

•How to declare Bankruptcy?
•What happens to my assets?
•Bankruptcy and credit rating


•Bankruptcy News

Media Room:
•Press releases
•Media Coverage

•About BankruptcyHelp
•Contact us
•Debt Glossary
•Insolvency jobs

  > Browse and post on our forum
Home   |   Profile   |   Register   |   Active Topics   |   Members   |   Search   |   FAQ

Welcome to our Forum, please register if you want to post
Ask a debt question
See the last 250 posts
Watch video on how to use forum

Save Password
Forgot your Password?

 All Forums
 New Questions
 Forum Questions
 discharged 3 years ago. question
 New Topic  Reply to Topic
 Printer Friendly
Author Previous Topic Topic Next Topic  

New Member

United Kingdom
51 Posts

Posted - 03 November 2008 :  14:08:59  Show Profile  Reply with Quote

i am asking this question for a friend

she was discharged from BR 3 years ago, should she of contacted creditors to adjust her credit file, does it make a difference. She still dosn't want any credit but would like to have a normal account with a debit card, and possibly get a mortgage in 4 years time.

any ideas


Junior Member

366 Posts

Posted - 03 November 2008 :  14:17:37  Show Profile  Reply with Quote
Hello there,

I was just discharged yesterday and I am now writing to creditors so that my Credit File can be updated.

She will need to prove that she is no longer bankrupt - unfortunately she will not be able to show this from the Insolvency Register as it gets taken off 3 months after your discharge date - however it is worth a look. Also, she could apply for a Certificate of Discharge which costs £60 from the court she went bankrupt at. You could just copy this and send it with a covering letter to all of the creditors, they will in turn update their files and in doing this her credit report will also be updated.

She could also send a copy of the certificate to the three credit agencies as well.... Experian, Equifax and CallCredit.

Or she could just get her Credit Report now, and just check to see what information they have on her and whether they have updated it anyway!

Hope that helps...
Go to Top of Page

New Member

United Kingdom
51 Posts

Posted - 03 November 2008 :  14:23:36  Show Profile  Reply with Quote
Hi 369

Thanks, she has a copy of her discharge as she got a early discharge after 6 months. lucky her. :.)

i will pass the info on thanks
Go to Top of Page

Junior Member

United Kingdom
344 Posts

Posted - 03 November 2008 :  14:26:28  Show Profile  Reply with Quote
Hi Sahara

I was just about to say the same. I would def get copies of the files first and see who you need to contact then send off the letters to them, there are adresses on the backs of the files to whom to send queries about the credit reports too.

Best of luck to you and your friend



For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:

Jo's Links and added info on Bankruptcy!

Go to Top of Page

forum expert

United Kingdom
3290 Posts

Posted - 03 November 2008 :  14:27:02  Show Profile  Reply with Quote
Good luck with getting the creditors to update their files - I'm finding that some do it straight away (the ones I wasn't expecting to!) and the others are determined to make it as difficult as possible - Barclaycard spring to mind!

Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
Go to Top of Page
  Previous Topic Topic Next Topic  

 New Topic  Reply to Topic
 Printer Friendly
Jump To:
bankruptcyhelp.org.uk Forum © bankruptcyhelp Go To Top Of Page
Powered By: Snitz Forums 2000 Version 3.4.06