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

Posted: Wed Sep 28, 2011 8:32 pm
by Rosepetal
not sure,others will be along to advise you. just wanted to say well done you![:)] it must have been stressful at times x

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

Posted: Wed Sep 28, 2011 11:19 pm
by Rosepetal
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[;)]

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

Hi You may find the above link usefull

Posted: Thu Sep 29, 2011 3:01 pm
by Rosepetal
hi, if the link kindly provided doesn't answer your questions post again .

Posted: Thu Sep 29, 2011 5:10 pm
by Adam Davies
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

Posted: Thu Sep 29, 2011 5:58 pm
by Daniel Griffiths
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.

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

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

Posted: Thu Sep 29, 2011 9:59 pm
by Rosepetal
glad them "what knows more" were able to help you. look after yourself,better days ahead now for you x