Bankruptcy Credit Reference File Clean Up - Discussion

kitty_and_gucci_2008

Hi All,

Apologies, this is quite a long post.

Just ontained my Equifax credit report and found that the information in it may be incorrect.

I was made bankrupt on 07/11/06 and discharged on the 03/10/07, however see below credit agreements extracts from my file which was included in the bankrupcy:

Sorry again that this is such a long post, just I wanted peoples advice on what is incorrect and what is ok, so that I know which ones need correcting:

1)
Company Name - Style Financial Services (Style)
Start Balance - £0
Current Balance - £1,352
Status - Default
Credit Limit - £0
Date Updated - 06/10/08
Start Date - 23/06/04
Date Last Delinquent - July 2006
Date Satisfied - No date
Default Date - 31/07/2006
Default / Delinquent Balance - £1,462
Status - None
Explanation - None

2)
Company Name - Barclaycard Centre
Start Balance - £0
Current Balance - £1192
Status - Defaulted
Credit Limit - £0
Date Updated - 06/12/2006
Start Date - 25/06/2004
Date Last Delinquent - nov 06
Date Satisfied -
Default Date - 30/11/2006
Default / Delinquent Balance - 1192
Status -
Explanation -


3)
Company Name - Max Recovery (Barclaycard)
Start Balance - £0
Current Balance - £0
Status - Settled
Credit Limit - £0
Date Updated - 02/07/07
Start Date - 25/06/04
Date Last Delinquent - nov 06
Date Satisfied - 07/11/06
Default Date -
Default / Delinquent Balance - £1193
Status - PARTIAL SETTLEMENT
Explanation - Payment received as a full and final settlement although the payment would not fully clear the balance.

4)
Company Name - Capital One Bank (Europe) Plc
Start Balance - £0
Current Balance - £0
Status - Settled
Credit Limit - £600
Date Updated - 07/11/06
Start Date - 14/07/04
Date Last Delinquent - nov 06
Date Satisfied - 07/11/06
Default Date -
Default / Delinquent Balance - £581
Status - PARTIAL SETTLEMENT
Explanation - Payment received as a full and final settlement although the payment would not fully clear the balance.

5)
Company Name - Max Recovery (Barclaycard)
Start Balance - £0
Current Balance - £0
Status - Settled
Credit Limit - £0
Date Updated - 20/08/07
Start Date - 03/11/04
Date Last Delinquent -
Date Satisfied - 07/11/06
Default Date -
Default / Delinquent Balance - £0
Status - PARTIAL SETTLEMENT
Explanation - Payment received as a full and final settlement although the payment would not fully clear the balance.

6)
Company Name - Barclaycard Sol Fin & Skycard
Start Balance - £0
Current Balance - £0
Status - Settled
Credit Limit - £3500
Date Updated - 30/04/08
Start Date - 03/11/04
Date Last Delinquent - nov 06
Date Satisfied - 22/11/06
Default Date -
Default / Delinquent Balance - £3500
Status -
Explanation -

7)
Company Name - Barclaycard Sol Fin & Skycard
Start Balance - £0
Current Balance - £0
Status - Settled
Credit Limit - £3500
Date Updated - 21/07/05
Start Date - 03/11/04
Date Last Delinquent -
Date Satisfied - 13/04/05
Default Date -
Default / Delinquent Balance - £0
Status -
Explanation -

8)
Company Name - Lloyds Tsb Personal Loans
Start Balance - £0
Current Balance - £0
Status - Settled
Credit Limit - £0
Date Updated - 24/01/07
Start Date - 25/11/04
Date Last Delinquent -
Date Satisfied - 03/01/07
Default Date -
Default / Delinquent Balance - £0
Status -
Explanation -

9)
Company Name - Egg Banking Plc
Start Balance - £6000
Current Balance - £0
Status - Settled
Credit Limit - £0
Date Updated - 01/09/08
Start Date - 18/04/05
Date Last Delinquent - july 07
Date Satisfied - 25/07/06
Default Date -
Default / Delinquent Balance - £4290
Status -
Explanation -

10)
Company Name - Black Horse Ltd
Start Balance - £14165
Current Balance - £11282
Status - Defaulted
Credit Limit - £0
Date Updated - 10/06/07
Start Date - 06/10/05
Date Last Delinquent - may 07
Date Satisfied -
Default Date - 10/05/07
Default / Delinquent Balance - £11282
Status -
Explanation -

11)
Company Name - Max Recovery (Mbna)
Start Balance - £0
Current Balance - £0
Status - Settled
Credit Limit - £0
Date Updated - 02/07/07
Start Date - 04/01/06
Date Last Delinquent - nov 06
Date Satisfied - 10/11/06
Default Date -
Default / Delinquent Balance - £1876
Status - PARTIAL SETTLEMENT
Explanation - Payment received as a full and final settlement although the payment would not fully clear the balance.

12)
Company Name - Halifax (Current Accounts)
Start Balance - £0
Current Balance - £0
Status - Settled
Credit Limit - £0
Date Updated - 14/06/07
Start Date - 21/04/06
Date Last Delinquent -
Date Satisfied - 17/05/07
Default Date -
Default / Delinquent Balance - £0
Status -
Explanation -

13)
Company Name - Lloyds Tsb Current Accounts
Start Balance - £0
Current Balance - £817
Status - Defaulted
Credit Limit - £0
Date Updated - 02/12/08
Start Date - 01/08/06
Date Last Delinquent - jan 07
Date Satisfied -
Default Date - 05/01/07
Default / Delinquent Balance - £843
Status -
Explanation -

Thank you.

Nomoredebtnow

Any update on clean up callcredit file report.

skylight

When should I start getting my credit file? If AD is on the 19th, then can I order them on the 20th? Or allow a month for the creditors to update???

I want to get my teeth into something!!!!!

philnicandamy

from my experiance? I left it a month after discharge & then applied for files...not half as bad as I thought thankfully!

gerry-1977

Hi all im new here so take it easy on me lol. I reside in scotland and I am a discharge bankruptcy on the 17th Nov 2008 after 3yrs. Now I have just cheeked my credit report and i must say that im very suprised thatmy file is isnt has bad as i thought it was going to be. i have 3 records held on my account information 2 being my bank account and the other one is an account i have with vodafone now the vodafone account is showing DEFAULT and its been defaulted on the 06/06/05. Now i have contacted them asking them to update my credit file to either satisfied or partly paid. Now they have told me that i have to pay the balance before they would do it i told them that i was bankcrupt and out of the blue the the person i was talking to told me that they no longer deal with the account as it was sold to a debt collector.. Do i need to contact the debt collector in question or do i need to keep harrasing vodafone.. ps i have noticed that vodafone has updated my file on 04/01/09 is ok for them to do this?


thanks in advance.

gerwin

silvano

I have a Barclaycard Sol Fin & Skycard as a default on my file but i dont know who the above i presume credit card is . im trying to clean up my file. does anyone know what card it might be or where i can find this out thankyou in advance

downhillfast

Morning All.

I went BR back in 2007 and was granted early discharge in the October 07... I've finally got around to checking out my credit file and have signed up with Experian and Equifax. I've never used any of these kind of things before but I've just come across something I find a little worrying...

Most of my debts are now satisfied which is cooool..... BUT there is a £29k default in someone elses name linked on my old address - I think it must be one of the many people that have had the pub since I jacked it in (the whole reason I had to go BR) but it's even more weird because they share my first name and have a birth date just 2 days after mine! Should this info really show up on MY credit report??? Seems odd to me?

RebTech

No way somebody else's debt should be on your record! You need to write to the relevant agency and get this sorted ASAP!

tigerfeet2006

7th page bump for those who know about the clean up.

daz1980

hi im new to the forum but have been reading for a while, i was discharged over 2 years ago and my credit file as of a few months ago was still showing all creditors who were on the bankruptcy as a default, so i wrote to them all requesting the updating of my file, which they all have done without question, BUT lloyds TSB dont seem to be doing anything, its been a month now with no responce to say they have updated the file.

Lloyds asked ME to get my old account numbers (from 2003) for the debt in question, as they couldnt find them!!! but a trip to the local branch and they found them straight away!! funny that, lloyds TSB seem to be draggin this out for some reason, even tho BLACK HORSE ( part of lloyds ) updated there section of my file instanly, with just a photocopy of my discharge notice.

whys it almost impossible to get something done now.

rant over :mad: