Bankruptcy Credit Reference File Clean Up - Discussion

bcljnk

philnicandamy wrote: »

36 QUEEN STREET
LONDON
EC4R 1HJ

(personal finance)

Thankyou:D

philnicandamy

nicthegreek wrote: »

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.

have a read here

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

any questions post back here

Loopy1

fermi wrote: »

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

the default date is a month after BR date but is showing settled. Is it worth the hassle of changing it?

dojoman

Loopy1 wrote: »

the default date is a month after BR date but is showing settled. Is it worth the hassle of changing it?

Same here on a couple of mine, would like to know what to do about it as well:)

fermi

Depends if you think those few weeks or a month will make a difference to you a few years down the line?

I know that's a hard question to answer/foresee....

dojoman

Thanks Fermi, a month or so will not make a difference to me so will let them drop off on their own. Am I right in thinking they will drop of 6 years from the default date or not?

fermi

Yes. Just a little later than could have been possible if corrected.

dojoman

fermi wrote: »

Yes. Just a little later than could have been possible if corrected.

Sorry to be a pain:o but could I ask the credit ref agencies about getting the date corrected, or would I have to write to the offending creditors again?

fermi

Yes. Good thought.

If you want to you could dispute the entries via the CRAs.

Normally I say write the recorded delivery letters direct to the creditor as well, as that gives you the best evidence trail should you need to make a formal complaint. Plus, the CRAs often come back with "the creditor says it is correct. Sorry. Nothing more we can do".

However here, for the sake of a just this, you might think that not worth the time, money and hassle to do.

Disputing via the CRA's would easy to do, and if it doesn't get results then you've not lost anything.

dojoman

Thanks Fermi:) much appreciated, I have sent an email to Experian listing the offending creditors and asked them to sort it, I will update as and if when something does happen.