I was Discharged in April this year, but due to job changes and various other time consuming events, I have only just got round to checking my credit files and Experian is the first. I haven't requested my official Discharge Certificate yet either, but am going to do this in a few weeks.
Strangely, my bankruptcy does not show in the "court actions" section of the report, nor anywhere else on the report?? Is this correct? Or have I had a lucky "omission"?
Out of 8 creditors, five have marked me in default - two of which are entered 7 months after declaring myself bankrupt!!
My Capital One card (yes, I managed to secure one post-bankruptcy) and all current accounts and Telewest are all clean as a whistle...so I am building up some good data, bit by bit! Despite informing Alliance & Leceister I was bankrupt they omitted to close the account and it is still in use - I have a debit card and an overdraft, both invaluable!
So....where do I begin??? Obviously I need my Discharge Certificate..or do I...if my bankruptcy isn't showing on the report??
Cheers for your help in advance.