Bankruptcy Credit Reference File Clean Up - Discussion

update

After did Credit Reference File Clean Up and receive three credit report Experian and Equifax ok but on Callcredit still show three credit default which l clean up already and show on Experian and Equifax both Satisfied . Please help

sa1

Hi All
great thread and helps thousands well done!!!

i have had a debt collector mackenzie hall place a search in table one of my equifax file , i have not paid or acknowledgement any debt and not had debts for over 7 years, how can i get the entry on equifax removed please?

Also cap quest have placed on my equifax file in table one and credit agrement section a debt of £5,000 , i have no debts and have not paid any debts or acknowledged any debts for 7 years, how do i get my file cleaned up?

many thanks

piggeh

How long does it take for your bankruptcy discharge certificate to come from from the court services generally? Posted mine off a few weeks ago, but notihng received so far.

andyblack19

I have a situation and just wanted some advice on whether i can do anything about changing my credit report or not...

I checked my credit report yesterday to find that I had a default from an old 02 mobile contract. What happened was, I had a 12month contract with 02 and after around 15months i decided to cancel. I phoned 02 and a guy told me that if i were to change my contract to pay as you go, instead of just outright canceling it, i would not have to wait the 30 days notice period. I agreed and he sent me the new PAYG simcard. He said it would be cancelled automatically and i would be sent my final bill, when i registered the new sim. I received the new sim card next day and registered it as required.
I was never sent my final bill by 02 and so forgot about it, until last week (7 months later) when I got a bill from a debt recovery agency for the amount of the final bill! I rang up the debt place immediatly and paid them.

02 never tried to contact me, despite having my home phone number, or send me any letters such as a payment reminder, or the actual final bill!

The problem is, now I have a default on my credit report from 02!

What can I do? Any help appriciated! Thanks, Andy B x

update

update wrote: »

After did Credit Reference File Clean Up and receive three credit report Experian and Equifax ok but on Callcredit still show three credit default which l clean up already and show on Experian and Equifax both Satisfied . Please help

anyone please help

abdn08

I was declared bankrupt in Scotland in Nov 2002 and discharged in Nov 2005.

I have just ordered and received my credit file form Experian and there is no mention of bankruptcy or any bad debts apart from a section from Orange PCS. It states;

=========================================================
PHONE DISCONNECTED
ORANGE PCS COMMUNICATIONS
Started 07/10/01 Balance 0 Settled 10/04/05
Status History 000000000000
In the last 36 months of account activity, the number of status 1-2 is 2 and the number of status 3+ is 13.
File updated for the period to 01/05/05.

Settled accounts are kept on file for six years from the settlement date. The status history in respect of a settled account relates to the period of time prior to the date of settlement.
=========================================================

Am I within my rights to ask Orange and to amend the settlement date from 10/04/05 to the date I was made bankrupt - 26/11/02, as this would mean it would be over six years old and drop off my file very soon.

Or do I just accept that the settlement date could be even later, i.e. the date of discharge?

It seems a shame that this debt will be listed for another two and a half years as things stand.

update

update wrote: »

After did Credit Reference File Clean Up and receive three credit report Experian and Equifax ok but on Callcredit still show three credit default which l clean up already and show on Experian and Equifax both Satisfied . Please help

Anyone please help

fiveyearplan

I suppose you need to contact Callcredit and ask why they haven't amended your file.

Neyo

Quick question

Say once the creditors that were listed in the Bankruptcy mark your credit file with the correct default date and then mark the accounts settled
( once you are discharged ) can they still sell the debts on to say Max recovery?

And can Max recovery ( Eversheds) sell the debt on even if they have marked the accounts with correct default date and marked as settled or satisfied?

fiveyearplan

I think they do try to sell off the debt but I don't think they are supposed to but I have heard it happen before. Nevertheless, it is no longer your debt and you do not need to pay it - in fact it is in the terms of your bankruptcy agreement that you do not pay it. They may try to tell you that you have a moral obligation blah blah blah. You are covered by law though so if it happens quote them your br number and don't enter any more conversation with them.