Credit Checking

[drikker]

Just been asked if I have any blackmarks on my credit record - if so then no banking contract for me!! My current credit record with Experian, Equifax is good - all squeaky clean but I am a discharged bankrupt from 15 years back that does not appear anywhere I can find.
Any bod know if banks, agencies look in sources other than public ones?
Is my secret safe?
Thanks

 

[TheRightStuff]

I then they also check forums

 

[minsky1]

I think youare knack'd.

Banks share information between themselves not in the public domain.

Even discharged bankrupts.....

 

[Troll]

Just been asked if I have any blackmarks on my credit record - if so then no banking contract for me!! My current credit record with Experian, Equifax is good - all squeaky clean but I am a discharged bankrupt from 15 years back that does not appear anywhere I can find.
Any bod know if banks, agencies look in sources other than public ones?
Is my secret safe?
Thanks

Go for it & let us know how you get on

 

[BA to the Stars]

I think that it is wiped after 6 years (as you are discharged). Unlikely to be on any records so you should be OK.

 

[Swamp Thing]

You could try seeing if any other credit agencies have this on their files (the ask them to remove it): GB Group, CallCredit, Creditsafe

 

[Not So Wise]

"discharged bankrupt from 15 years back that does not appear anywhere I can find."
At 7 years after discharge this is wiped off your record
Same with any bad debts or CCJ's
(actually some are 6 years but can never remember which is which so safer to assume 7 years for all)

 

[Clippy]

I then they also check forums

as well as asking your neighbours and checking behind your sofa

 

[Ardesco]

Any debts or bad debts will be wiped 6 years after they were settled. (So if you got into debt and defaulted a few times and then took 5 years to pay off the debt you then have to wait a further 6 years for it to clear from your credit record)

HTH

 

[drikker]

Thanks dudes,
I'll check where I can (thanks Swamp Thing for some ideas) and just go for it - main prob is if minsky1 is right and the banks share non-public information.
I'll let u know