Today marks the six-year anniversary of when I declared myself bankrupt.
The next twelve months is the final stage of it all – Bankruptcy is a strange edge-case when it comes to credit-score reporting, because it actually has a duration.
If it had been a simple marker, it would expire today and all would be well.
But because it lasts a year, it doesn’t come off the record until six years after the bankruptcy period *ends*. So, another year of it being on the record.
It’s an oddity, and one that seems to confuse a lot of people when it comes to asking about when these things expire.
Still, only another 12 months to go. Could be worse.