Six years. Tnat's the time it takes before your credit file is cleared. Keep it clean for that about of time and you should, then, be able to start afresh. Mind you, you won't be able to get credit for at least that amount of time. Keep clear of the electoral roll for a few years. A good way is to re-start is with catalogues. (After you go back onto the electoral roll) You must be employed, with payslips. Small amounts, pay on time (over minimum payment if poss). After several months, your credit will be restored.