Hi, it could be you have re-activated your account without realising - please check you bank !

Try this - D M C at freds.com

Hi, Dont worry about contacting the CCCS they are quite brilliant and do not judge at all. Having had first hand experience with them they helped me every step of the way so as they say "Dont delay call today"

Have you had any luck with the above as I have an e-mail address however unable to post until I have completed 10 posts !!!!!

I would say then that until your wife has completed the three years of payments to her creditors they will show as unsatisfied on her report - your wife will need to make sure this has been completed correctly on her report also

You searching your own credit file will only leave what we call a "soft footprint" (you are NOT doing a credit application) so creditors will not be able to see.

I assume also IPA should read IVA - entries for accounts in this will not show satisfied until this is completed sorry to be the bearer of bad news

Some of your creditors may NOT put a satisfied marker on the accounts as full payment has not been received (due to the bankruptcy) however either way the records will be there on your file for 6 years, it may be worth also checking now if lenders can now check the full six years of history on your file as I believe this has recently changed (before it was only 3). Get a certificate of Satisfaction from the court (this will cost you) and send through to your creditors asking them to update your report with satisfied - do not let them bully you be firm. Again I hope this helps

I have worked for both high street bank and a credit reference agency so have seen both sides, lenders only use the information from the credit reference agencies as a small part of their decision making process, a majority is their own lending criteria. As for the notice of correction remove them as they will serve no purpose now or going forward unless there were exceptional circumstances around the time you both went bankrupt, the only purpose these will serve is the computer programmed to make the decision will be stopped in its tracks and your application will possibly have to be referred. If you send off for a paper copy of your file the agencies should go through this (Impartially) with you and help you remove amend any information that is incorrect. Hope this helps a little