bankruptct

[blade1jet2]

I have changed my address will this help my credit rating as there is a bankruptcy record against my old addressi the order has been discharged as it is 5 years old

[Ethel]

No - credit history is attached to the individual, not the address.

[blade1jet2]

Thanxs ethel how can i improve my credit rating and how does your credit history move with you

[Oneeyedvic]

for a complete explanation, go to www.experian.co.uk or www.equifax.co.uk

[CheekyChops]

If it is registered against YOU at your old address then it will follow you. If it is registered against someone else at your old address then it won't.

[themas]

You can't get the bankruptcy off your credit records until 6 years after you became bankrupt. It should then drop off automatically.

But you won't then suddenly find it easy to get credit. You will have no credit history at all & potential creditors don't like that! - except for teenagers?

Unless you are lucky, building up a credit record again is a slow & laborious business. For example, you can sometimes get a pre-pay credit card (I believe Capital One used to do them) &, if you don't cause problems with it, may eventually get it turned into a normal credit card. Also, you may be able to get the bank which you have a basic account with (I assume that is the type you have) to turn it into a full current account.