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graham
Advanced Contributor

52 Posts

Posted - 07 October 2017 :  11:46:03  Show Profile  Reply with Quote
Was declared Bankrupt 21/10/2011 , discharged 21/10/2012 when will this fall off my credit report?. Always thought is was 6 years but not sure if that starts at beginning of being Bankrupt or after being Discharged , so could be October 2017 or October 2018 ??

TDA (Debt Adviser)
Trust Deed Expert



12101 Posts

Posted - 07 October 2017 :  12:05:14  Show Profile  Reply with Quote
Hi Graham.

Six years from the start, so around now.

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graham
Advanced Contributor

52 Posts

Posted - 07 October 2017 :  12:44:30  Show Profile  Reply with Quote
DO you know if it automatically comes off or do you have to contact the credit agencies to remove it ? Hopefully opens up better deals on my Mortgage , thankyou
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TDA (Debt Adviser)
Trust Deed Expert



12101 Posts

Posted - 07 October 2017 :  14:27:39  Show Profile  Reply with Quote
Nothing to do here graham.

Your credit report simply shows the last six years.

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graham
Advanced Contributor

52 Posts

Posted - 07 October 2017 :  21:03:19  Show Profile  Reply with Quote
Thank you for your reply
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kapap
Contributor

8 Posts

Posted - 16 October 2017 :  21:05:38  Show Profile  Reply with Quote
This is the exact question I was about to ask, so thanks Graham.
However, may I also ask about the creditors on my closed accounts on my credit file that say satisfied. They can show that I defaulted in the past.
Will they fall off my credit file also? They still show defaults up to the discharge date on my file.
If they don't fall off, will they still affect my credit score?
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TDA (Debt Adviser)
Trust Deed Expert



12101 Posts

Posted - 17 October 2017 :  08:55:54  Show Profile  Reply with Quote
Hi kapap.

Yes - any account where a default notice has been issued will vanish from your credit file six years after that notice was issued.

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