Answer Base

If you dont file for bankruptcy but also dont pay the debt is ur credit rating still going to be bad? example: am in debt of £6,000 for 6 years now but have contacted them & keep getting letters, is ma credit bad now? will it be worser if i file for bankruptcy? or same as now? is it worth filing for bankruptcy? shall i just keep ignoring the credit angencies? im not going to get a card , loan or anything like that in the future so shud i just keep ignoring them? but at the moment can i still take a card? as i have file for bankruoptcy but also not got back to the collectors?

Your credit rating cannot get worse than bankrupt... but yours will be crap if you keep defaulting on payments...the easy way to find out is to get a home credit report.