corsaqueen:

I am aware that my bankcruptcy is on file for another 4 years but would like some advice please as to the best possible way.

Unfortunately your bankruptcy will be with you for longet than that. While it may not immedaitely appear onm your credit file a bankruptcy will remain with you for the rest of your life. Any application for credit by law asks the question of whether you have previously been made bankrupt and it is a criminal offence of fraud to answer incorrectly.

In more recent times credit providers do far more rigorous checks on and credit lenders do often check insolvency registers and of course if your name appears then you will instantly be declined if you have said youi have never been bankrupt previously. On top of this there are many providers that will not allow someone who haas been previously bankrupt to take their services again.

A bankruptcy does often help an individual who has come to the end of the road for debt options but it is not a short term solution but a long term hangover to become bankrupt and a bankruptcy will remain with you for the rest of your life

Just keep doing what you are doing.

There are various schemes and products that are promoted as helping your credit score but a lot of these are scams.

in oct 2009 i was declared bankrupt and in june 2010 was discharged. I am now more aware of spending money and dont buy things uneccessarily. I have a standard bank account and a mobile phone contract and all my bills are paid monthly by direct debit and paid on time I am on the electoral roll and rent my house. and in full time employment. I am trying to build up my credit score again . I am aware that my bankcruptcy is on file for another 4 years but would like some advice please as to the best possible way.

Thank you :)