Bankruptcy Credit Reference File Clean Up - Discussion

fiveyearplan

Ooh yes, 9 months is plenty of time. Mine was only a couple of weeks max.

fermi

Pixie: The CallCredit report isn't worth worrying about for now. I didn't really with mine, but then not much showed up anyway.

Most companies look at Experian or Equifax, so get those reports and get anything wrong on those sorted.

The letters to correct info should get the creditors to place the correct info with whatever CRAs they report to, so once Experian/Equifax is sorted you will probably find that there is not much (if anything) left to do with the CallCredit report.;)

fermi

Ozimandias wrote: »

Does anyone know the address of First Direct's data control officer?

I know they are part of HSBC, but a search against them at the ICO database provides too many hits and I don't know which one is responsible for FD.

Goes to the group data controller for HSBC.

The Canada Square address I think?

PixiePie

Many thanks Fermi - if I were looking for info knowing what I now know about Call Credit I certainly wouldn't use them to check someone out :rotfl:

Although, to their credit they did send the information very quickly.
Will just wait for the others to see what they say then
Many thanks again

dane-katie

Hi, recieved my call credit file, OMG its all jumbled up!!!

Can anyone answer what a delinquency is?

I have date of delinquency on a few plus instead of them saying default they just say delinquent?? i have no idea what this means.

philnicandamy

dane-katie wrote: »

Hi, recieved my call credit file, OMG its all jumbled up!!!

Can anyone answer what a delinquency is? I think...someone wil correct me if wrong its just saying you made late payments etc

I have date of delinquency on a few plus instead of them saying default they just say delinquent?? i have no idea what this means.

did you have mortgage?

dane-katie

No, no mortgage.

Its on normal stuff like catalogues and credit cards.

dane-katie

Well thats another 4 letters wrote, so its 14 in total plus i have to write to 2 of the CRA since i cant do the financial disassociation online!

I was naughty though, i have lost my discharge cert so never sent it in the letters, orange wrote back asking for a copy, so im getting one sent from OR to me, to send on, think i will hang fire with these 4 letters and make sure they have a copy in

nomis21

I wrote to my creditors a few weeks ago and a few have updated apart from the hsbc who wrote back to me and said they have had no notification of my discharge from me although i did include a copy in my letter?? Another is clydesdale who have never bothered getting intouch and not done anything regarding my credit file (i will be writing again)
I have a couple of queries:-
After Clean Up

Name: Mr Fed R Jones
Date of Birth: 02/02/1957
Company Name / Insight Account Number: Barclaycard Centre XXXX XXXX XXXX 1809
Account Type: Credit Card
Terms: 0 @ £ 0 (Monthly)
Start Balance: £0
Current Balance: £0
Status: Settled
Credit Limit: £0
Date Updated: 15/06/2007
Start Date: 22/01/2003
Date Last Delinquent: 05/06
Date Satisfied: 22/11/2006 (some dates are within a month of my BR)
Default Date: 01/04/2006 (i dont have any default dates??)
Default/Delinquent Balance: £3,582
Payment History: Lots of little numbers but the default ( a red D ) will be in March 2006 and the Settled ( a green S ) will be in November 2006.

Equifax

Does a default date need to be included, these are blank ? On the files that have been cleaned the dates (date satisfied) are not correct, some are a month after my BR...? Will it really matter?

stressed81

Hi all I have ordered all 3 files after looking at an online credit report which showed this.

Company type credit card
Account type credit card
Last updated 6th may 2007

Current balance Account closed on 12/04/2007 with an outstanding balance of £13,668.00

Credit limit:£12,350.00
Opening balance:£0.00Account start date:20th June 2001
Regular payment amount:Not Applicable
Number of repayments:Not Applicable
Repayment frequency:Monthly
Worst Status:Default

I'm 95% sure this was my halifax credit card account but there are no further actual details reagarding account

Will the paper credit reports give me the account number so I can write to the correct people and have the neessary details updated?