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A Word from the Banks If you work for a bank or did do. If you want to speak on behalf of any of the banks or you want to whistleblow. Do it here. You are welcome to have your say about bank charges. Registration is confidential if you post under a UserID. You MUST let us know if you work for a bank.

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Old 18th November 2009, 09:00   #1 (permalink)
 
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Denzlepob Novitiate
Default Credit File after bankruptcy

What right does a credit reference agency have to hold data on you post bankruptcy, since technically you no longer have any debt?

Surely the data should be wiped and if a financial institution wants to check you they can do so on the insolvency register?
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Old 21st November 2009, 18:28   #2 (permalink)
 
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Default Re: Credit File after bankruptcy

They do have to register the bankruptcy. It drops off your file after 6 yearsautolinker.com autolinking image though.
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Old 24th November 2009, 22:51   #3 (permalink)
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Default Re: Credit File after bankruptcy

Anybody know how an IVA affects it? Some of the info I've seen kinda suggests it might be on there for longer than six years in total.
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Old 25th November 2009, 13:13   #4 (permalink)
 
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Default Re: Credit File after bankruptcy

the cred ref files after br, should show the date you went br .

Last edited by out of cash; 6th December 2009 at 12:05. Reason: error
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Old 25th November 2009, 13:14   #5 (permalink)
 
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Default Re: Credit File after bankruptcy

ivas stay on the insolvency register as long as the iva lasts,not 100% on this so someone can correct me.
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