I've just left that 6 year cloud and I can tell you it hasn't been easy. Just like Bigmac, you start from scratch. No debit cards..I had to carry cash everywhere.. That was the hardest bit...I felt like a gypsy ...To think I owed this, that and the other then reduced to this through my own stupidity being taken in by a couple of frauds

Now, with my clean credit file, a broker managed to get me a repayment mortgage with a High St Bank..The banks I messed up with are now back, just like old times again, like it was for 30 odd years leading up to 2006..So nice to have my cards back again.. I'm back in the land of the living

The 6 years count down doesn't start until outstanding debts are either cleared or satisfied. If you still have those debts and you are thinking they will go away without doing anything about them, you are mistaken...Every month your credit file is getting updated no matter what you do.....the history of each debt is cleared from your credit file on the 6th anniversary on that debt being settled.