Bankruptcy Credit Reference File Clean Up - Discussion

miss_spooky

Cool, thanks for that.

Lightattheend

I know I've not been around a lot but new job, car troubles, stolen mobiles and life in general have meant I've been rather busy!

Right, I've got a week off work as my childminder is away so thought I'd get started on my credit file clear up. Paying for the Experian report on a monthly basis at the moment so I can keep an eye on it. I've got the relevant paperwork from Experian to complete for my dissociation from my ex partner (who still hasn't managed to save for his BR despite intending to go first but no surprise there) so that's one step.

I've got most of the addresses for the creditors thanks to the sticky on clean up but wondered whether the address for clean-up of the Nationwide Visa entry is the same as for the Nationwide account, can anyone advise?

Also my Northern Rock entry was fine (default) but now shows a balance of £5, any ideas why it would have gone from 0 to 5?

Thanks

Late

Lightattheend

Can anyone help with the above re Nationwide Visa address only I would like to send the letters tomorrow,

Thanks

fermi

I think they issue their own cards, so presumably yes.

philnicandamy

Just had a look through some bits at home & I have the same add listed..so i'd agree with fermi

Lightattheend

Thanks very much Fermi and Phil, helpful as always.

Late

Classylady2010_2

bump bump bump

yellowmonkey

Hi

After being turned down for a Vanquis card earlier this week thought I would start my clean up so have sent off for my paper credit reports

Should be here within 7 days

T800

fermi wrote: »

Yes. Just a case off:

Default date must not be later than the start date of the TD

Satisfied date must not be later than the end date of the TD.

Do you know if the same rule applies for bankruptcy. Reason is that I have 2 defaults that were placed 6 months into my bankruptcy. Im wondering if I can write to them to (ideally) get it totally removed, or at least have it amended to the date of the bankruptcy standing. Do I have grounds for this? Thanks

fermi

T800 wrote: »

Do you know if the same rule applies for bankruptcy. Reason is that I have 2 defaults that were placed 6 months into my bankruptcy. Im wondering if I can write to them to (ideally) get it totally removed, or at least have it amended to the date of the bankruptcy standing. Do I have grounds for this? Thanks

Yes. See the info here: Credit Reference File Clean Up Post Bankruptcy