Bankruptcy Credit Reference File Clean Up - Discussion

fermi

delcon68 wrote: »

but a couple still say Default even thought they state settle or satified, is this ok?

Yes, that is how they should look.

You did default the account, so to be accurate the record should still stay so.

So anyone looking at the file would see that you did default on 'such & such' a date, but it is now settled.

delcon68

Thank you for getting back so fast. Cheers

minxa

Hi All

I am just starting to clean up my file following discharge in April 2008...report was looking fine until just a week ago when 5 defaults suddenly appeared from creditors included in BK. Not sure why these have just appeared?!

Anyway, my main question is: My BK is showing 3 entries under public record info... marked J1, J2 & J3 - Is this normal? I don't remember how it was showing last time i checked my report.

Sorry if these questions have been asked before but i couldn't find the answers anywhere.

Thanks

minxa

Hi All

Still looking for an answer on the above if anyone can help?

Thanks

jacr13

I want to say thank you to everybody who has put together this info re cleaning up credit post bankruptcy. Here I am four years later and only just discovered what needs doing.

I have looked through all the pages of information and I do need a little help please. I have a couple of debts on my credit report that have been sold on from catalogues to other companies. So the debt is listed on my credit report as a new company, not the one included on my bankruptcy. The only way I can tie the two together is by looking at the amount of money involved. My question is who do I send the clean up letter too? I'm guessing the new company but make reference to the original debt?

I really do need some help with this, thanks ever so much in advance.

fortunes1969

Sorry I wasnt sure how to post on the forum.
I've been bankrupt for 18 months now and want to get my credit rating back on track and i need help, I cant even get a mobile phone on contract because of my credit rating, can anybody help ???????

sam007_2

Hi First I am dyslexic so watch out for the selling mistakes,

Now I used the clean up your credit rating letters after bankruptcy

I was made bankrupt in November 08 and discharged in May 09

Now I wrote to all the creditors, and all but one replayed and marked my accounts as satisfied but the put the dates are all after discharge Now to complain to the Information commission is it enough to have the replay letters from the companies as my wife through out all my recoded delivery recites for these letters! Now as I understand it all accounts should be make settled by my discharge date and not after that, So do I need to write to them again or can I put a complaint into the IC Commissioner, The letters whent out to them last November.

Should I just send the orginal letters agin?

And thanks for all the support this site has givin my

David_F

Hi All,

Quick question regarding Financial Associations:

I am BR and I DO NOT have any joint debts with my wife & she is not BR. However, on my Experian report if shows 15 different entries from various creditors showing a link between me and my wife.

Will this cause my wife a problem getting credit in her name and if so How do I get these Financial Association links removed.

Thank you for any help you can give.

David

silly_guy

Just a massive thank you for the info and letter I had 7 creditors showing on cra files so far 3 have stated to change just waiting for the 2 months to be up and then get new reports. For anyone who is thinking about BR its not that bad I have been discharged for 18 months now and have full bank account and barclaycard initial and vanquis card with a £2000 limit trying to recover my credit score.
Once again thanks for the advice :j:money::beer:

tompritchard

I read today that lots of people have started getting payday loans simply as a way to boost their credit report. It shows they can repay their debts. Is this a good idea? I read it here http://www.paydaybank.co.uk/news/?p=131