Bankruptcy Credit Report
Your credit report contains public information and details of your credit history. Lenders use it during their decision making process when you apply for credit.
For a general overview, please see credit reports.
Your credit report must be accurate if you are seeking credit after bankruptcy. Believe it or not, time is not the healing of your credit report. You are!
As a review of your credit report is a major step of the credit provider's scoring and decision making process, you must take action to:
- Correct any inaccuracies, which can lead to unnecessary penalties on your credit score
- Improve your credit report after bankruptcy, hence improving your credit score
Where can you obtain a credit report after bankruptcy?
You can obtain your credit report from three credit reference agencies. Each of these agencies offers a statutory £2 report or a subscription based online service.
It is a sensible idea to obtain your report from all three, as different credit providers use a different agency.
Read how to get your credit reports. You can obtain them for free!
What must you look for?
Ok, ordering your credit report after bankruptcy is one thing but spotting inaccuracies is another!
If you want to cheat, use one of the online services such as creditexpert offered by Experian. You will then be able to contact Experian with your online reference number and they will give you all the credit report advice that you need.
See obtain your credit report.
If you want to do the research yourself, take a look around this site. The following suggestions will help too:
- Order your credit report
- Check that you are on the electoral role
- You may wish to add a notice of correction stating the cause of your bankruptcy
- Check the accounts included in the bankruptcy are defaulted and marked as settled
- Check that there is no financial association with anyone that there shouldn't be
- Check there are no CIFAS entries
- Check there are no gaps in the previous addresses
