Get your FREE Experian credit report and score!*

CreditExpert Logo

  • Free Experian credit report*
  • Free Experian Credit Score*
  • Free email and text alerts
  • Dedicated UK based call centre

Checking your Experian credit report will not lower your score!

If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.

Please log in to your account and go to the contact us page to contact the member support team.

* Monthly fee applies after trial, new customers only. You may cancel your trial anytime during the 30-day trial period without charge. Free trial period starts on registration – further ID verification may be required to access the full service which may take up to 5 days.

Explore our Help Centre

Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.

Find out how to protect yourself from identity fraud and what to do if you're a victim.

Is my credit history wiped clean once my bankruptcy ends?


Dear James,


My bankruptcy ends on the 17th Feb. Will this be automatically deleted from my credit report and will my credit rating go up?



Debra, Hexham


Dear Debra,

Your credit rating should certainly improve now your bankruptcy has been discharged, but not overnight. The Insolvency Service should tell us about the discharge within a few weeks, enabling us to update your credit report. But the bankruptcy won’t be deleted – not straight away anyway. We usually keep public financial records like bankruptcies on a credit report for six years. As a result, assuming yours began in 2011, it should drop off your report during 2017. As far as credit scoring is concerned, a discharged bankruptcy order is likely to have less of a negative impact on any credit applications you make than an outstanding. What you should also do to help is check your credit report to make sure any debts that are listed on there that were included in your bankruptcy are also updated now to show clear balances. If any still need updating you can contact the lenders involved or ask us to intervene for you. You might like to consider adding a notice of correction to your credit report – which is an explanatory statement of up to 200 words – if you think it would help to explain the circumstances that led to your bankruptcy. Any lenders checking your report in the future would then see this, until the bankruptcy is removed.

James Sign

  • © 2014 Experian. All rights reserved