Bankruptcy Credit Reference File Clean Up - Discussion

neverletitgetyoudown

oh well Letters done only 3 were still show defaulted!!

also sent a question to Equifax to get my Ex disassociated from me (is this pretty straightforward??)

just gotta post them and wait for reply

I love this forum

We_Are_The_Mods

How soon after being discharged is it worth checking my CRFs?

sizzler

We_Are_The_Mods wrote: »

How soon after being discharged is it worth checking my CRFs?

It depends but if you have any credit at mo ie still have mortgage or mobile phone etc. I would say do it as soon as you have time so any payments on your file show you are starting to take care of your finances after your BR.

Best of luck sizz:)

neverletitgetyoudown

We_Are_The_Mods wrote: »

How soon after being discharged is it worth checking my CRFs?

i havea contract phone i was discharged last july, as i was off work yesterday with nothing much to do i decided to sit down and get it sorted xxx :money:

Ronnie_O

Hi all. When checking my CRF's 3 months after discharge, some of my creditors have automatically marked their ex-a/c's with me as settled. Great! However they have not updated the default dates. These are all showing at least one year before my BR.

Should I just leave these a/c's since they're marked as settled and hopefully they will fall off my CRF sooner or do the default dates need to be exactly the date of my BR?

neverletitgetyoudown

Ronnie_O wrote: »

Hi all. When checking my CRF's 3 months after discharge, some of my creditors have automatically marked their ex-a/c's with me as settled. Great! However they have not updated the default dates. These are all showing at least one year before my BR.

Should I just leave these a/c's since they're marked as settled and hopefully they will fall off my CRF sooner or do the default dates need to be exactly the date of my BR?

hiya

if it was me i would just leave it!!!!

hope it goes ok :money:

fermi

Ronnie_O wrote: »

Hi all. When checking my CRF's 3 months after discharge, some of my creditors have automatically marked their ex-a/c's with me as settled. Great! However they have not updated the default dates. These are all showing at least one year before my BR.

Should I just leave these a/c's since they're marked as settled and hopefully they will fall off my CRF sooner or do the default dates need to be exactly the date of my BR?

Leave them!

Ronnie_O

Thank you sjg1983 and fermi :beer:
That's 3 down then and another three to go!!

neverletitgetyoudown

Ronnie_O wrote: »

Thank you sjg1983 and fermi :beer:
That's 3 down then and another three to go!!

to be fair when i got my ED i just forgot about it

FacingReality

Apologies if this has been answered.

I have finally got round to checking my credit references and sending letters out and one of my creditors (Barclaycard) just don't appear on either Experian or Equifax credit files. Should I be worried or thankful?