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 Forum Questions
 We declared bankruptcy November 2010. When will it drop off our credit reports ?
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mrsdp2009
Starting Member

United Kingdom
7 Posts

Posted - 04 October 2016 :  16:16:36  Show Profile  Reply with Quote
Hi everyone,just looking for advice myself and my husband declared ourselves bankrupt in nov 2010 and we are now approching 6 years after our bankruptcy ,can anyone tell me when it will drop off our credit reports as we would like to plan for the future (mortgage) and after googling i cant get an exact answer so any help would be appreciated Thanks Donna

Lisa Thomas
forum expert



United Kingdom
35 Posts

Posted - 05 October 2016 :  09:25:36  Show Profile  Visit Lisa Thomas's Homepage  Reply with Quote
Hi its 6 years from the date of the Order so should drop off November 2016. However some defaults don't automatically drop off and you have to contact the creditors direct to amend their records. Wait until November then check your credit records with the main providers - Experian, Callcredit and Equifax as they might be different.

Contact me on 01752 786800 or Lisa@nevilleco.co.uk
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mrsdp2009
Starting Member

United Kingdom
7 Posts

Posted - 05 October 2016 :  14:37:28  Show Profile  Reply with Quote
Thanks Lisa i will do that ,not long now :) its been a long six years but were nearly at the end ! (35 days )
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Lisa Thomas
forum expert



United Kingdom
35 Posts

Posted - 06 October 2016 :  09:09:26  Show Profile  Visit Lisa Thomas's Homepage  Reply with Quote
Not long to go!

Contact me on 01752 786800 or Lisa@nevilleco.co.uk
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Niobe
Administrator



United Kingdom
4582 Posts

Posted - 06 October 2016 :  09:25:31  Show Profile  Reply with Quote
That's great news!


The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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mrsdp2009
Starting Member

United Kingdom
7 Posts

Posted - 06 October 2016 :  20:48:40  Show Profile  Reply with Quote
Thank you we are so chuffed,i remember finding this forum nearly 6 years ago and being so desperate and really struggling to cope.Our lives were an utter mess and if it wasn't for the support we received on here i can honestly say i don't know where we'd be now it was such a bad time.At the beginning of our BR i never thought in a million years we'd actually cope and not long ago i looked at my old posts on here under my old user name and it was awful and so sad reading back and seeing how utterly desperate and clueless we were. We were scared of the OR and totally ashamed of ourselves for allowing us to get in such a financial mess but actually through out the past 6 years we learned to cope and its made us so strong, we have really learned how to manage our money,to live by our means,to budget and now we save for everything and if we have to wait to buy it, we just wait until we can afford it rather than buying and worrying about paying for it on finance. So thank you very much to everyone who helped us over the years, this forum is so helpful and a lifeline to people in bad situations like we were in back then xx Donna
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Niobe
Administrator



United Kingdom
4582 Posts

Posted - 07 October 2016 :  07:25:16  Show Profile  Reply with Quote
Excellent post mrsdp2009 - hopefully others looking in will take inspiration from it. Keep in touch.x

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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Lisa Thomas
forum expert



United Kingdom
35 Posts

Posted - 10 October 2016 :  09:09:29  Show Profile  Visit Lisa Thomas's Homepage  Reply with Quote
That's nice to hear - sometimes Bankruptcy is absolutely the right option to give you a clean slate and get you back on track financially.

Contact me on 01752 786800 or Lisa@nevilleco.co.uk
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mrsdp2009
Starting Member

United Kingdom
7 Posts

Posted - 10 November 2016 :  10:01:16  Show Profile  Reply with Quote
Hi everyone just to let you all know that the day came yesterday when our BR's disappeared forever,i cant believe after six years its finally over for good.Thank you to everyone on this forum that has offered me advice over the past six years. I am eternally grateful to you all,and good luck to anyone who's going through what we have ...nothings ever as bad as it seems and there is light at the end of the tunnel trust me i lived it and came out the other side a happier and stronger person :) xxx Donna
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Niobe
Administrator



United Kingdom
4582 Posts

Posted - 10 November 2016 :  10:39:23  Show Profile  Reply with Quote
Brilliant news - really pleased for you. Good luck for the future.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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mrsdp2009
Starting Member

United Kingdom
7 Posts

Posted - 10 November 2016 :  11:51:28  Show Profile  Reply with Quote
Thank you :)
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Lisa Thomas
forum expert



United Kingdom
35 Posts

Posted - 15 November 2016 :  11:30:05  Show Profile  Visit Lisa Thomas's Homepage  Reply with Quote
Great news well done.

Contact me on 01752 786800 or Lisa@nevilleco.co.uk
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