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Anna
New Member

United Kingdom
51 Posts

Posted - 08 January 2017 :  13:08:27  Show Profile  Reply with Quote
Hi all, 7 months today will be the end of my 6 years since going bankrupt so i feel like i'm on the home run now. My credit file still shows most of my debts as still defaulting and ccj still active. Will everything just disapeer in 7 months or will it still take a while? Thanks Anna

Niobe
Administrator



United Kingdom
4589 Posts

Posted - 08 January 2017 :  15:27:01  Show Profile  Reply with Quote
Hi,

They should fall off a the end of the six years but you do need to keep an eye on things.

If things don't alter then you need to contact creditors and get them to remove defaults back to the start of the bankruptcy.

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 - 09 January 2017 :  10:43:19  Show Profile  Visit Lisa Thomas's Homepage  Reply with Quote
It should drop off automatically but this isn't always the case and sometimes you have to contact the creditors to backdate the defaults to the date of BKY to get it sorted.

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

United Kingdom
51 Posts

Posted - 09 January 2017 :  11:31:54  Show Profile  Reply with Quote
thank you both for your replies. I have been on my credit file today first time in 2 months and to my surprise one of the debts seems to have disapeered and my score has shot up by 290 to 570 so im so happy about that. I noticed my ccj was recorded on 4th april 2011 so should that disapeer in april or would it be 9th august at the end of the 6 years since bankruptcy?
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Lisa Thomas
forum expert



United Kingdom
35 Posts

Posted - 10 January 2017 :  09:20:14  Show Profile  Visit Lisa Thomas's Homepage  Reply with Quote
As far as I am aware it should drop off in April.

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



United Kingdom
4589 Posts

Posted - 10 January 2017 :  10:28:27  Show Profile  Reply with Quote
Just check in April to see if it has disappeared.

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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