7 Years On After Bankruptcy

[chrissa1]

I’m filling an income form to take on a better and cheaper property to rent.

It asks at the end if I have ever been bankrupt? My credit score is “excellent “ now as every bad thing has now been removed.

Do I have to say yes to the bankruptcy question even though it has been wiped from my credit report? Thanks.

[fiction-factory]

Yes, but friends can make up what looks like a good reference about a fictitious tenancy.
Anyway, it's just a question of how much you want to be truthful and whether you'd expect others to be truthful to you. I think it would be interesting to see Barmaid's take on the points I raised. If the question is illegal or no laws have been broken , and maybe if the lie couldn't be used to invalidate the contract, then lying here is fine.

[AuntLydia]

Friends can't make up a previous Landlords reference and these are the references that are the most important. Friends can't make up Employers references that require a copy of your contract of Employment. I would also be very interested to find out if the actual question about Bankruptcy is legal. 'In the past 7 years have you been declared Bankrupt' is usually used for Lending purposes, but 'have you ever been Bankrupt' just does not sound right.

[fiction-factory]

>Friends can't make up a previous Landlords reference and these are the references that are the most important.

http://www.propertyindustryeye.com/how-easy-is-it-to-fake-a-tenant-reference-very/

[AuntLydia]

As I previously wrote, faking references is not advisable and in this instance immaterial as Chrissa has an excellent credit rating and no doubt an admirable Landlord reference.

[ubasses]

Chrissa, have you actaully sent for a copy of your full report, or are you going on your score. Things may have changed since my retirement, but I have seen many reports that show the Bankcruptcy as discharged but is still there. If you say no and they do check, you could come unstuck. So before going any further, get a full print if you have not done so already.
It was legal to ask the question I have to assume it still is.

[chrissa1]

Blimey!?!

The property I am in now which I was vetted for 3 years ago, clearly showed my bankruptcy on my credit file. All that happened was that I was asked to provide a Guarantor, which I did.

Anyway, I’ve sent in the online form stating “no” to the bankruptcy question. As I said before, why wipe everything after 6 years if it means you can still be penalised for the rest of your life?

[chrissa1]

My credit report does not show anything bad, including the bankruptcy. My score is in the “excellent” range.

[Prudie]

Good luck Chrissa, it's done now anyway. Personally I tend to take FF's view. Not had experience of what you are completing but I do know a little about security clearance and it's often saying no to something you have done (because someone will know) rather than the actual deed itself where people fail - because it shows untrustworthiness. Not directing that at you, it's just a fact.
Seriously, wishing all the best to you, will almost certainly be fine.

[ladybirder]

I'm amazed at so many people telling Chrissa to lie.

[chrissa1]

I just took a voicemail message, (I didn’t pick up because I didn’t recognise the number) and it was the credit check company. All he wanted was some more proof of my pension income.

[chrissa1]

Just to let you all know. I passed the credit check and got the property. :))

[marval]

Well done Chrissa

[tonyav]

Well done, chrissa. Enjoy.

[kvalidir]

Congratulations, enjoy your new start x

[Barmaid]

I was ignoring you chrissa. For very good reason.

[Peter Pedant]

Good luck Chrissa

[chrissa1]

Thanks guys.

Strange comment Barmaid, but I think I understand. ;/

All Experian we’re interested in was if I could afford the monthly rent. Why the question was included is odd, if you ask me.

[tonyav]

They ask that same question when filling in a buildings and contents insurance form !

[chrissa1]

Ridiculous, tonyav.

[tonyav]

My thoughts are the same, chrissa.