Bankruptcy Credit Reference File Clean Up - Discussion

fiveyearplan

peachyprice wrote: »

If you leave the balances on there I'm not sure they would fall off after 6 years as there would still be an o/s balance, but I could be wrong about that.

They fall off 6 years after default - balance or no balance.

empty_wallet_2

Hi All,

I've just received my Experian credit report (still waiting for Equifax and need to send off for callcredit) and only 1 of my creditors has applied the correct info and date on the report, the rest have either shown as settled but wrong default date or wrong default date and outstanding balance.

Only Capital One got it all correct, Natwest have done my loan and bank account but credit card incorrect.

Just gathering the address details for the letters but i'm a bit confused about who to contact on a few after looking on the ico website, they are:

Natwest credit card (is it same as natwest bank?)
RBS credit card (same as RBS bank?)
Barclaycard credit card (seems to suggest CLYDESDALE FINANCIAL SERVICES LIMITED)
Barclays masterloan ?

I'm sure there were more creditors but can't put my hand on my BR paperwork at the moment.

Can i just print off a copy of the insolvency report showing BR date and date of automatic discharge to send as my evidence of both BR date and discharge?

TIA

moneysaver12

Hi i have done my letters to send to the company to get them to put settled on my credit file, only problem is i don't know any account numbers, will this matter?

fermi

moneysaver12 wrote: »

Hi i have done my letters to send to the company to get them to put settled on my credit file, only problem is i don't know any account numbers, will this matter?

It would be much better if you had them, and could save problems.

Maybe your ex OR has them? They would have had to contact creditors with account details and the details of the BR?

moneysaver12

fermi wrote: »

It would be much better if you had them, and could save problems.

Maybe your ex OR has them? They would have had to contact creditors with account details and the details of the BR?

My ex or might have them, as they had all the details, how do i go about contacting them? Thankyou very much for your help

Naillig51

Hi,
I got discharged from Bankruptcy over 6 /7 years ago -my experian credit record is showing clear -but i still cannot get any credit anywhere .
Not sure what to do ?
Any advice please .
Thanks

dvs

Naillig51 wrote: »

Hi,
I got discharged from Bankruptcy over 6 /7 years ago -my experian credit record is showing clear -but i still cannot get any credit anywhere .
Not sure what to do ?
Any advice please .
Thanks

First thing you need to check is that there is no adverse information on your credit file that you can't see. If you are looking at the online credit report from Experian (i.e. Credit Expert) then the information might be there but you won't see it. So your first step is to make sure that your current and all your previous addresses are there (and written correctly). That can take 24 hours to update. If that doesn't work, give Experian a call and ask them to check for missing information.

If it's not the above the most likely reason would be credit scoring. Each lender uses different criteria to establish whether to offer a product. Previous credit history, relationship status, job, salary, existing commitments etc all come into play. There's no such thing as a universal credit score (so don't pay extra for Experian's credit score as it means nothing in the real world).

Usually it's best to apply for products with the bank you already bank with as you'll have some history with them. Multiple applications with several creditors in a short period will have an adverse effect on your ability to get credit. Generally speaking any more than two applications in six months is considered negative. Currently, more loan applications are being declined.

moneysaver12

bump..............

peachyprice

What happens if my creditors haven't signed for their letters?
I have 4 that haven't been signed for, they defo went to the right addresss.

I need their proof of delivery to esclate my complain to the FSO, but it seems they have a legitimate cop out if all they have to do is not sign for their letters

dvs

peachyprice wrote: »

What happens if my creditors haven't signed for their letters?
I have 4 that haven't been signed for, they defo went to the right addresss.

I need their proof of delivery to esclate my complain to the FSO, but it seems they have a legitimate cop out if all they have to do is not sign for their letters

If no one signed for them, where are the letters now? Royal Mail need a signature or they have to return them to you.

I think you will be able to escalate your complaint if you are not receiving a response. I'm sure the receipt for sending them would be good enough if the creditor won't sign for them. Failing that, send a letter with proof of posting which does not require a signature. Or send a fax.