Bankruptcy Credit Reference File Clean Up - Discussion

JCH

Wondered if anyone could clarify two quick points about my report?

I was declared BR on 21/01/08 & discharged on 01/08/08.

One entry looks like this: NATIONWIDE BUILDIN...Loan Default Satisfied 10/05/2009

The default date and special instruction date is all fine. I am wondering if the main line for this loan should show as Default or should it be something else now I am discharged?


The other question is, does anyone know who Capquest are? I have an incorrect entry by them showing I still owe money. I have a feeling they must be a credit agency and Abbey National referred my account to them. Does that sound right?

Thanks as always

JCH

bluebells_2

Just about to start my clean up of my credit files its now been 6 months since discharge and have noticed on my Noddle account some are still showing as default and even one says late payment ! 8 out of 18 creditors show settled, now am i best to go thru the details on my Noddle account or use the Experian and order the statutory reports ?

dojoman

I would order all 3 statutory reports if I were you.

jpr_74

Quick question.....just sent of my letter to the Data Controller for Lloyds TSB Bank PLC - anyone know if they are pretty good with getting the credit file clean up?

Just so I can prepare myself for the next best action where necessary...

john1002

student captain. I did exactly the same took them about 2 months so cost me 14.99 after free trial but they updated them all and as a consequence both the other CRA updated theres.

So for me it worked perfectly and quick all done in that 2 months.

john

nuttyp

As my signatue says, went br ages ago. Heres the tricky bit, have vanquis gold card, lloyd basic bank account. Oh went br 6 months after me. Now i cant add him to my bank ccount, and he cant get one in his own name. How do you get your credit report cleaned up?? the nice lady in the bank suggested it but i dont know where to start. We despiratly need to sort things out, could do with being able to use bank card on holiday abroad later in the year - justin case.

Please can anyone advise me.....

jedi82

jpr_74 wrote: »

Quick question.....just sent of my letter to the Data Controller for Lloyds TSB Bank PLC - anyone know if they are pretty good with getting the credit file clean up?

Just so I can prepare myself for the next best action where necessary...

Hiya, Lloyds were one of my creditors (current a/c OD) and they updated my files fine (Natwest on the other hand..........)

tommo2007

Hi guys

Nice, easy question I hope.

My credit files are pretty well updated actually, with just a few letters to write. My question is regarding both my Experian and Equifax reports.

Both files obviously show my bankruptcy but also:

My Experian shows:

J2 Mr tommo2007
Info type: Judgment Date: 22/6/2010
Amount: £Enough
Court Name: Northampton County Court Case No: BlahBlahBlah

If you have paid a judgment you should contact the court involced and ask for a Certificate of Satisfaction. We will be told that the judgment is satisfied and we will update our records. For further information please see the explanatory leaflet

And my Equifax shows:

Court date: 22/6/2010
Case Number: BlahBlahBlah
Court Name: Northampton CCBC
Judgement Value: £Enough
Judgement Type: CCJ
Name: Mr tommo2007
DoB: Blank
Satisfied Date: Blank

Obviously this is a CCJ, but neither say this is settled or otherwise. The creditor concerned (O2) is also on my credit report with "DEFAULT" still showing, so they are going to be written to.

But my question is, do I have to do anything or write to anyone regarding the CCJ that is showing on both reports?

Many thanks for any help

Tom

fermi

Unlike defaults, CCJs can usually only be marked as satisfied or settled if they have actually been paid.

I suppose your could try with the court and/or ask the creditor for a letter confirming the CCJ is settled, but they are not obliged to do or provide that.

Presuming the CCJ is from before your BR date, then honestly it's not worth the hassle. The BR itself is a bigger, blacker, and more recent mark on your credit file, so the CCJ is neither here nor there.

tommo2007

Hi fermi

Thanks for the response.

Yes, the CCJ is from BEFORE my bankruptcy date, but as there is no settled date, does that mean the CCJ will remain on my credit file forever? As it won't drop off without a settled date will it?

Thanks again for such a quick response!