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  • FIRST POST
    • Coombo
    • By Coombo 16th Jun 17, 2:52 PM
    • 3Posts
    • 1Thanks
    Coombo
    Credit file post DRO
    • #1
    • 16th Jun 17, 2:52 PM
    Credit file post DRO 16th Jun 17 at 2:52 PM
    Hi guys sorry if this has been asked before. I was discharged from my 1 year DRO on 12/02/2017 and I've been continually monitoring my report to make sure the accounts are settled. Although the rest have, I still have 2 showing as "closed" but the balance is still showing. Am I right in thinking this should be showing as "settled" or "satisfied"?
    The accounts are with EE and T-Mobile which I assume is the same place as they are the same company now? I'm not sure whether to contact them or leave it as they are classed as closed?
    Tia
Page 1
    • sourcrates
    • By sourcrates 17th Jun 17, 1:05 PM
    • 12,461 Posts
    • 11,855 Thanks
    sourcrates
    • #2
    • 17th Jun 17, 1:05 PM
    • #2
    • 17th Jun 17, 1:05 PM
    They should be shown as satisfied.

    You could write and complain, some creditors choose to update later than others, if its that important to you, send them a letter, or try using "Resolver", as they tend to ignore letters at EE.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • Electrum
    • By Electrum 28th Jun 17, 9:32 AM
    • 197 Posts
    • 73 Thanks
    Electrum
    • #3
    • 28th Jun 17, 9:32 AM
    • #3
    • 28th Jun 17, 9:32 AM
    Even if you do nothing, after 6 years from the last time you paid or admitted the liability of the debt your file will be wiped clean?
    • fermi
    • By fermi 28th Jun 17, 12:23 PM
    • 39,280 Posts
    • 47,108 Thanks
    fermi
    • #4
    • 28th Jun 17, 12:23 PM
    • #4
    • 28th Jun 17, 12:23 PM
    Even if you do nothing, after 6 years from the last time you paid or admitted the liability of the debt your file will be wiped clean?
    Originally posted by Electrum

    No, defaulted account are removed form your credit file 6 yeas from the recorded default date. If not defaulted they stay indefinitely.

    Nothing to do with when you last paid it admitted it.

    This is why it's important to make sure it's defaulted, marked as satisfied, with an accurate default date.
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

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