default on experian report?

mandy_moo_1

hi, i was discharged from bankruptcy on 01/02/06 and i've just received my credit report from experian, as i wanted to check it before i try and open a bank account

only thing is, i don't understand some of it

it states at the beginning of it that i AM discharged, but then when it goes thru all the people i owed money to, there are 2 entries for British Gas saying Default £127 and the date of default may 2003, and another for british gas saying Default £115 date aug 2003, and status history 8.....surely this should have been removed from my report as my bankruptcy was discharged 3 years ago? None of the other lenders that i declared myself bankrupt to were mentioned on the report

also, on one of my previous addresses ( i moved out of there in 2002) there's something called CIFAS, and its got someone else's name and DOB, and the date recorded as dec 2008, stating that a fraudulent application was made to Lloyds for a bank loan.......i don't understand why this is on my credit report when i haven't even lived at that address for 7 years? in the leaflet it states that this may affect me applying for credit in the future....can i get this removed? and why is it there in the first place?

sorry for such a long post, but i'm worrying myself sick, as once my bankruptcy was discharged 3years ago, i have been SO careful with not even trying to apply for anything...not even a catalogue!!

mandy_moo_1

anyone? please?

mysterio_2

Defaults will drop off your cedit files after a total of 6yrs....
have you had a read here? http://forums.moneysavingexpert.com/showthread.html?t=677875

CIFAS is a fraud marker (identity theft etc) it'll be very difficult to obtain a lot of things with this marker you would need to contac the company listed as submitting the marker to complain & then hopefully they'll take the marker off....if not you need to contact CIFAS & raise a complaint with them

http://www.cifas.org.uk/default.asp?edit_id=564-28