My Credit File

 

Many individuals think that making an application for bankruptcy means you will have a damaged credit rating forever. Fact is, you won’t! The initial 3 years you are bankrupt are the most challenging. After these first 3 years, you are then referred to as a “discharged bankrupt”.

There are lending institutions who will assist discharged bankrupts to obtain loans secured loans like Home Loans and Car Loans. However, after 5 years (or 2 years after you are a discharged bankrupt) you will then go back to a perfect credit rating.

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