The OR is applying for an early discharge. However, I know one creditor had a ccj against me. I want to try and get my records looking as good as possible as my job as a self employed courier means companies credit check me if I want work with them. As a ccj seems to be a sticking point with some companies I was hoping someone could give me advice on the best way to present my credit file once I am discharged. I am really frustrated as an old colleague told me he would use me but my credit history means I will fail a credit check and so he will never use me. Back to feeling like a criminal again when all you want to do is work. Many thanks
acm, having debt does not make you a criminal please be positive about your future.
is the creditor included in your BR?
Seek the advice of one of the insolvency experts - I am sure that are better placed to assist you - they have seen all angles and will give their best advice to you
Yes the creditor is included within my BK. Its hard enough out there for jobs as it is without being penalised for a civil issue. I had to stand in front of an ex colleague with his patronising attitude. Even when you are discharged you are never really free.
Your credit file isn't going to be particularly good until all of the debts included in your BR drop off the file and this will take 6 years.
Once you are discharged you can follow the process at http://forums.moneysavingexpert.com/showthread.html?s=cb2f11b2c3b30cb86f39aa7acf342114&t=677875 to clean up your file. This will ensure that you debts are no longer shown as 'default' but as to whether this will be good enough to pass the credit check or not will depend on the level that is needed i.e. good, very good, excellent, etc.
The other way to improve your rating is to take credit. Capital One do a credit card that doesn't require a credit check. The APR is something horrendous like 35% so you need to ensure you pay the amount of in full each month but you could just spend £30 or so on it each month.
I wouldn't rush into the credit card option so soon after being BR but if this is the only way to improve your credit rating to allow you to earn a living then there isn't a lot you can do. Even this may not improve your credit rating enough.
quote:Even when you are discharged you are never really free.
This is correct and a lot of people don't realise this when they declare BR. Even when you are discharged you will still have to answer 'Yes' if a creditor asks if you have ever been BR. This is something that a lot of people who declare BR don't realise and sometimes see BR as an easy option without realising the consequences.
BR Discharge and CCJ
Posted - 07 December 2009 : 22:27:21
