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Scottish Trust Deed Forum
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Topic starter
07/10/2017 11:46 am
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 ??
07/10/2017 12:05 pm
Hi Graham.
Six years from the start, so around now.
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Topic starter
07/10/2017 12:44 pm
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
07/10/2017 2:27 pm
Nothing to do here graham.
Your credit report simply shows the last six years.
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Topic starter
07/10/2017 9:03 pm
Thank you for your reply
16/10/2017 9:05 pm
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?
17/10/2017 8:55 am
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.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
