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1903Lee

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About 1903Lee

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  1. A draft letter to send to the credit agencies making them aware of any inaccuracies on my report, of which there are a few.
  2. Not yet. I'm waiting until I receive confirmation that the sequestration period is over. Still looking for a draft letter if there is one out there?
  3. Many thanks. I'll start the ball rolling shortly. I don't suppose there is a draft letter on this site anywhere? I can't see one.
  4. Many thanks. Over the past three years I've got used to living within my means and I don't see that changing. I'm assuming it's six years from when I was sequestrated as opposed to when the process completes?
  5. Afternoon After three hard years I am about to end my sequestration in April of this year. I'm wondering whether there is any advice from those who have come through the process on what I should be doing now and how to go about re-building my credit rating. Many Thanks D
  6. Ahh, yes. Thanks fot that. It has been over a year (15months) but my credit score according to Experian is 'fair' and as mentioned sits at 765.
  7. The bankruptcy is on there so i think it has been updated. Anyway, not going to call them and make them aware! Thanks for the advice regarding noodle.
  8. Cheers for the advice but been onto experian and they state i have a 'fair' credit score of 765. I would of thought it would have been 'very poor' or 'poor' at best. However, i'm not going to complain. Does anyone know whether this scoring is correct or have i been lucky?
  9. Cheers. I had noticed the Vanquis card but decided against it. However, i may consider buying my months petrol (£30) on it and pay it off in full each month. Just out of interest does anybody know what my credit score should look like? I was on recently and had a 'fair' score of 765....
  10. Thanks, but i'm not looking for credit and don't have any plans to get credit cards etc in the furture. However, i do want to find out the best ways to improve my credit rating. This is primarily so i can get a mortgage/phone contract etc in the future. Do i need to write to creditors and credit agencies (Equifax etc) to make them aware? Is there also a prepay card i can get to start mending some of the damage bankruptcy brought?
  11. In the next week or so i'll be discharged from my bankruptcy. Despite having to pay contributions for the next two years i am looking for some advice to move forward. Firstly, what can and can't i do following discharge? Secondly, i obviously want to improve my credit rating now and wondered how best to do this? Finally, any do's or don'ts/general advice following discharge would be greatly appreciated. Thanks
  12. In the next week or so i'll be discharged from my bankruptcy. Despite having to pay contributions for the next two years i am looking for some advice to move forward. Firstly, what can and can't i do following discharge? Secondly, i obviously want to improve my credit rating now and wondered how best to do this? Finally, any do's or don'ts/general advice following discharge would be greatly appreciated. Thanks
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