Am I automatically removed from credit rating after bankruptcy ?

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Shirley.js

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Post by Shirley.js » Wed Sep 28, 2011 6:47 pm
My Bankruptcy ends tomorrow. Am I automatically removed from credit rating after bankruptcy with Equifax or Experian or am I required to do anything.
 
 

Rosepetal

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Post by Rosepetal » Wed Sep 28, 2011 8:32 pm
not sure,others will be along to advise you. just wanted to say well done you![:)] it must have been stressful at times x
Nothing stays the same...everything changes..hang on in there!
 
 

Shirley.js

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Post by Shirley.js » Wed Sep 28, 2011 9:11 pm
thank you rosepetal. it has been very stressful ! x
 
 

Rosepetal

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Post by Rosepetal » Wed Sep 28, 2011 11:19 pm
well be proud of yourself,you've gotton through it,clean slate now[:)].

i know these decisions are not taken lightly,been there got the t shirt! time to breathe again now, what a weight off you,big hug x

someone who knows more will post so keep a check[;)]
Nothing stays the same...everything changes..hang on in there!
 
 

Daniel Griffiths

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Post by Daniel Griffiths » Wed Sep 28, 2011 11:24 pm
http://webarchive.nationalarchives.gov. ... rating.htm

Hi You may find the above link usefull
 
 

Rosepetal

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Post by Rosepetal » Thu Sep 29, 2011 3:01 pm
hi, if the link kindly provided doesn't answer your questions post again .
Nothing stays the same...everything changes..hang on in there!
 
 

Adam Davies

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Post by Adam Davies » Thu Sep 29, 2011 5:10 pm
Hi
A record of your bankruptcy will stay on your credit file six years from when you were declared bankrupt.
There is no way of having this removed as far as I am aware.

Regards
Andam Davies
 
 

Daniel Griffiths

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Post by Daniel Griffiths » Thu Sep 29, 2011 5:58 pm
Hi Below is an extract from the link I provided which hopefully answers the question

The bankruptcy entry will remain on your credit reference file for 6 years from the date of the bankruptcy order even if you have been discharged and have told the credit reference agencies. Those people whose debts were included in your bankruptcy should then mark the entry on your credit reference file to show that you no longer owe money on that account (perhaps by marking the entry as ‘satisfied’ or ‘settled’ or in some other way). However, after six years, the credit reference agencies will automatically remove the bankruptcy entry from your credit reference file.
 
 

Shirley.js

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Post by Shirley.js » Thu Sep 29, 2011 9:08 pm
thank you andy x
 
 

Shirley.js

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Post by Shirley.js » Thu Sep 29, 2011 9:11 pm
hi daniel thank you very much for the link and extract. very helpful indeed x
 
 

Rosepetal

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Post by Rosepetal » Thu Sep 29, 2011 9:59 pm
glad them "what knows more" were able to help you. look after yourself,better days ahead now for you x
Nothing stays the same...everything changes..hang on in there!
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