Bankruptcy Credit Reference File Clean Up - Discussion

CHEZ1

got my early discharge 4months ago and have checked my credit files today some are showing as settled some default my problem is 2 with lloyds default and the loan with them settled and also the default dates are wrong they are after my bankruptcy date is this right ?? am i right in thinking that the date of default should be the date of my bankruptcy order as some even say as close as last week !!!!! please can someone tell me what to do please many thanks :mad::mad::mad::mad:

rocketman80

Just 2 last silly questions for now....

If my debt has been sold to a collection agency (Experto Credite in this case) I address my letter to them?

And the Egg address is the 33, Canada Square, E14 one?

Thanks in advance,

Rocket

fermi

Loopy1 wrote: »

Im just looking at my credit files. I was BR 7th May 2010, most of the creditors are showing I defaulted June and I need to update these but Barclays loan is showing satisfied June 2010. Do I need to do anything about this or leave this one?

If the default date is before the BR and it's marked as settled, then leave it.

fermi

CHEZ1 wrote: »

got my early discharge 4months ago and have checked my credit files today some are showing as settled some default my problem is 2 with lloyds default and the loan with them settled and also the default dates are wrong they are after my bankruptcy date is this right ?? am i right in thinking that the date of default should be the date of my bankruptcy order as some even say as close as last week !!!!! please can someone tell me what to do please many thanks :mad::mad::mad::mad:

Write the letter in the main sticky to get them corrected.

----> https://forums.moneysavingexpert.com/discussion/677875

fermi

rocketman80 wrote: »

Just 2 last silly questions for now....

If my debt has been sold to a collection agency (Experto Credite in this case) I address my letter to them?

And the Egg address is the 33, Canada Square, E14 one?

Thanks in advance,

Rocket

What does it list as the creditor on your credit files?

If it is still recorded as Egg, then you write to them.

If the entries have been switched over into the name of Experto Credit, then you write to those instead.

rocketman80

Hi Fermi,

sorry, they're 2 separate entries. The Experto Credit one was Santander, the Egg one is still Egg.

And reading this thread, I'm going to have fun with both!

Rocket

fermi

OK. Well, basically you write to whoever currently has their name on the credit report entry.

They are the ones responsible for correcting anything that is wrong.

bcljnk

Does anyone have an address for the bank of ireland...one of my credit cards was for them...i think it was initally someone else but i forget now grrrrr
Thanks

philnicandamy

36 QUEEN STREET
LONDON
EC4R 1HJ

(personal finance)

nicthegreek

fermi wrote: »

If you wish to discuss the "Clean up" of your Credit Reference Files and don't wish to start your own thread, then please use this thread.

Thanks.

Hi there i hope i am in the right place, i was hoping someone could help me out. I went bancrupt in 2006 and was discharged in 2007. Now since then i didnt worry to much until my bank started offering to upgrade my account (i have a childs account with the halifax). They tried there and then but was denied. I went onto experian and on my records there are still things showing up that i thought would of been taking off. I realy want to sort this out. Me and my partner looked into a mortgage together but was rejected (obviously) but the adviser said if i could get my credit up he coud help us out. Is there any way i can wipe things of my record also does anyone know how long you stay bancrupt for. sorry for the wall of text but i have been sent down so many different routes im very confused.