Bankruptcy Credit Reference File Clean Up - Discussion

S4S

I've been reading through the forums as I went through my BR and am at the stage where I've received the main three credit files: Experian, Equifax and CC.
They are now all clean as I can see it but one of the entries in the Equifax gives me concern. It says:

Terms: 0 @ 0 Monthly.

Balances:
Limit: £1500
Start: £0
Current: £+1601

Effective dates:
Start: **/01/2003
Birth: **/**/****
Insight last updated: **/07/2008
Monthly status: ...................0000000000000000

The other account on this particular credit report has an end date and a current amount of £+0, so this one is giving me concern.

Has anyone seen this before?

Thank you in advance.

S4S

markbass

Can someone please indicate what extract from the Information Commissioners Guidance am i supposed to put in the letter to my creditor??


Cheers Mark

fermi

markbass wrote: »

Can someone please indicate what extract from the Information Commissioners Guidance am i supposed to put in the letter to my creditor??


Cheers Mark

The one here:

http://forums.moneysavingexpert.com/showpost.php?p=7834441&postcount=2

markbass

fermi wrote: »

The one here:

http://forums.moneysavingexpert.com/showpost.php?p=7834441&postcount=2

Thanks, also....as for sending ED papers and BR papers..will coppies of them be ok, because i have 4 creditors to contact!!


Cheers Mark.

fermi

Yep. Copies are fine.

sueby78

Not sure if this is right place to ask the question, i'm more curious rather than thinking it will do my record any good....
As all records of bankruptcy etc stay on record for 6 years, on applications etc where it asks you if you have been known by any other name and states it on your credit report, ie maiden or previous married name as in my case (bearing in mind I only took my ex's name for 6 months) is there a mandatory term that you have to declare this previous known name? Will I always have to give it or again is there like a 6 year term it stays on your record?

Thanks in advance.

philnicandamy

if the question is asked then you have to disclose the information for life...sorry

thaimoonmonkey

I've got an account with CreditExpert(Experian). There has only been one disputed file on my record and that is now being put right.
My question is, Once CreditExpert update the entry and put it right does this automatically update my file at other Credit Reference Agencies such as Equifax etc?

DON79

Hi, I thought I should look into credit file clean up since discharged. trouble is! I can't find the little notebook I had with all the account numbers listed in it Its not as though I should be able to miss it lol! it is bright pink......

So is it really necessary for me to quote the account numbers? I have a feeling it is

Thanks

bradders83

Hi,

I used the letter template to write to all of the old creditors that are still shown as DEFAULT with an outstanding balance. I have waited over two months and checked Experian again today...

Santander have not altered anything! It still reads default and still has an outstanding balance!!!!

Max Recovery has updated it to show satisfied but the date reads 25/04/10 when it should read June 2009!!

Natwest have updated it to show satisfied and entered the correct date of 07/06/2009 (good on 'em)

Clydesdale bank show satisfied but again have put the wrong date - this time 18/04/10!!

What do I do now?

I was expecting all to read Satisfactory (IN GREEN) - why do they still appear as Default (IN RED) even if they show satisfied right next to it??!

Is there a letter template for writing again and telling them they've put the wrong bloody date?

Also, how do I go about chasing Santander as they are the only ones not to have bothered with anything?

Any advice will be greatly received!!!

Thanks, Brad