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Bankruptcy Credit Reference File Clean Up - Discussion
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Is there anyone who can help comment on this? I'm having difficulty understanding it.
Thank you.
It's listing a current outstanding balance, so needs to be corrected.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Has anyone tried this for post DRO clean up?0
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Thank you Fermi.0
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Hi there - I'm just about to start my credit clean up. After reading some of the posts on this thread, I have a question: Should I have received a certificate of discharge? I didn't. Will this be a problem?ALWAYS HAVE A PLAN B
BSC #167 0 -
SkintyMcFlinty wrote: »Hi there - I'm just about to start my credit clean up. After reading some of the posts on this thread, I have a question: Should I have received a certificate of discharge? I didn't. Will this be a problem?
Did you get AD or ED?
If AD, then you don't normally get anything sent to you.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Hi fermi - I got AD so all is as it should be Thanks fermi x x ALWAYS HAVE A PLAN B BSC #167 0
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SkintyMcFlinty wrote: »Hi fermi - I got AD so all is as it should be Thanks fermi x x
In that case, print off the online entry showing your AD and send that.
Or ask your OR if they will write you a letter confirming the AD.
The vast majority of creditors will accept those.
If some don't, then you may have to think about getting the official certificate. Costs 60 pounds through if you aren't exempt the fees.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
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Then again, if you do happen to be exempt the £60 fee, then you may as well get the full certificate from the court.
Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Hi,
I've started to take a look at cleaning up my credit files. It's 4 mths since ED. I've had a look at both equifax & Experian and my question is this:
If a record is incorrect on both CRA's can I do one letter to the Co in question i.e Natwest stating that both are incorrect, or do I have to send two seperate letter - one for each CRA.BSC 289A life lived in fear is a life not living!Proud to have dealt with my debts.0 -
miss_spooky wrote: »If a record is incorrect on both CRA's can I do one letter to the Co in question i.e Natwest stating that both are incorrect, or do I have to send two seperate letter - one for each CRA.
Just one letter to Natwest, requiring them to update correctly the records with any CRA that they might have reported to.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
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