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mab
New Member
56 Posts |
 Posted - 25 February 2009 : 09:52:01
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Hi Everyone
I have only just been declared bankrupt, but want to set up a file ready so that once discharged I can proactively sort my credit files, so that in 6 years they are squeaky clean.
Does anyone have any links to letter templates etc that can be used to send to creditors or credit reference agencys etc, also when should I commence this before or after discharge.
Any help would be greatfully received.
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 25 February 2009 : 12:57:17
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I don't think the CRA's will do anything at all until the 6 years are up, then you can start to clear your credit files.
The glimmer gets brighter all the time
Jan
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 25 February 2009 : 13:05:27
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I waited until after discharge to do mine, as you have to send proof of discharge to your creditors.
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/
20 IPA payments made, 16 to go - on the home straight! |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 25 February 2009 : 13:09:11
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I thought everything stayed on for 6 years?
The glimmer gets brighter all the time
Jan
xx |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 25 February 2009 : 13:12:40
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It does, but when you are BR creditors aren't allowed to default you after the BR date. I asked them to amend the default dates accordingly, and mark the account as satisfied or partially satisfied so they can't default me again.
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/
20 IPA payments made, 16 to go - on the home straight! |
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Credit Files
