Bankruptcy Credit Reference File Clean Up - Discussion

mrsmoneyworries

Not sure if this is a silly question really, but I am doing very well with my clear up - considering its only been a month today :j

I have noticed 2 creditors (barclays & orange) are still listing me as satisfactory but not updating my file either, but at the same time M&S have still got a default recorded.

I was wondering can I call the data controller of these companies before going to the ico or is this a big no no - not really sure where to take it from here, so any help advice is very much welcomed.

sparkysi

I went straight to experian and equifax and had them do it by enquiry on a dispute of CRF. Worked a treat for the defaults and even had a couple removed completely when companies denied all knowledge the accounts ever existed, sweet.

mrsmoneyworries

sparkysi wrote: »

I went straight to experian and equifax and had them do it by enquiry on a dispute of CRF. Worked a treat for the defaults and even had a couple removed completely when companies denied all knowledge the accounts ever existed, sweet.

Oh thanks for that - hadn't even thought of doing anything like that :beer:

Moneysavingginge

Hi guys,

Could anyone give me some advice here please. My bankruptcy dropped off my file yesterday (Made bankrupt on 17 Nov 2003) and a couple of entries show defaults after this date. I've read about cleaning my file up but not sure if its worth it as I understand it takes a couple of months and the default dates are only 1 1/2 months after my bankruptcy.

My question is, Would it actually drop of my CRF if the current balance isnt £0 or sat?? Here is a copy and paste from my file on the entries.

Company name:LLOYDS TSB BANK PLC
Account type:Current Account
Started:01/08/2003
Default Balance:£893
Current Balance:£839
Defaulted On:07/01/2004
File Updated for the Period to:12/04/2009
Status history:
[] brackets indicate most recent months status [ ] What's this?

and

Company name:LLOYDS TSB BANK PLC
Account type:Loan
Started:02/04/2002
Default Balance:£15,888
Current Balance:£15,943
Defaulted On:07/01/2004
File Updated for the Period to:08/11/2009
Status history:
[] brackets indicate most recent months status [ ] What's this?

I dont mind waiting until 07/01/10 until they drop off, I know there incorrect, but as I dont have any certs or what that states the date of my bankruptcy I see little point in cleaning it up atm. Anyone think otherwise??

Any info would be great.

fermi

Hi tony.

They will drop off in January whether they are marked as satisfied or not.

So as you say, they are not technically correct, but there's not really any point in trying to correct that at this late stage.

For some people defaults are marked a long time after the BR date, so it makes sense for them.

poorwifey

hi there
i have spoken to experian via e-mail about the clean up of my report .the chap said if i send the discharge notice they can do it for me . is this right or do all my creditors have to notify them ?

xx

fermi

Experian can query the correctness of the info with your creditors.

It is normally recommended to go to the creditors yourself first, because that way you don't have to get each separate CRA to query it. The creditor has a duty to update all 3 at once.

But it certainly doesn't do any harm to go through the CRAs as well.

Start_a_new_journey

poorwifey wrote: »

hi there
i have spoken to experian via e-mail about the clean up of my report .the chap said if i send the discharge notice they can do it for me . is this right or do all my creditors have to notify them ?

xx

I would be interested to know this also. I spoke with Lloyds tsb today as they have all my default dates wrong and are showing all unsatisfied:rolleyes: poxy bank.... Anyhoo

When I phoned them they told me I had to go through the credit reference agencies direct I could not deal with them and that the agencies would handle everything.

Is this true or another Lloyds dodge?? they seem rather good at it!
If thats the case that would be super as my credit file is a huge balls up.
One of my defaults is still showing as current, also lots of other creditors have wrong dates showing and outstaning balances unsatisfied.
I need this sorted.
Any help appreciated.
Cheers
Dave

fermi

Start_a_new_journey wrote: »

Is this true or another Lloyds dodge?? they seem rather good at it!

They are, at least partly, telling you a load of bullsh!t.

You can do it either way.

Read page 19 onwards of this from the ICO.

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/credit_explained_leaflet_2005.pdf

and this:

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/bankruptcy_faqs_v2003.pdf

As it states, you can query the correctness of the info either through the CRA or the creditor. As it explains there, the CRA may simply have to query the info with the creditor anyway.

Start_a_new_journey

fermi wrote: »

They are, at least partly, telling you a load of bullsh!t.

You can do it either way.

Read page 19 onwards of this from the ICO.

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/credit_explained_leaflet_2005.pdf

and this:

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/bankruptcy_faqs_v2003.pdf

As it states, you can query the correctness of the info either through the CRA or the creditor. As it explains there, the CRA may simply have to query the info with the creditor anyway.

Most helpful thankyou. I thought Lloyds were being slippery again:D gits....