Creditors demanding Cerficitate of Discharge etc

fermi

You are missing the point. If the default date is much later than the BR date, then it ****ers up your credit file for much longer than the six years it should.

If that is going to happen, then most people would want to do something about it.

MicheH

I think I read that it was 11 years maximum that a credit file would be goosed for if the dates were not correct. Hope i'm right in saying that?

izools

11 years? The longest time data can appear is nine years, i.e. if you settle an account that has been open for many years, three years of payment history will remain until the account has been settled for six years; hence nine years max.

Anyway The point of getting the Default date corrected is to ensure that the defaults drop off my credit report at the same time of the bankruptcy order.

If the defaults remain having the date of default long after the date of bankruptcy then when by BR order drops off my report, I still won't be able to get mainstream credit because the defaults will still be there - they shouldn't.

"Debts only stay there for six years anyway" - and I'm making sure that the six years is from the date of my bankruptcy, not long after!

Anyway, it's the law under the data protection act that they make these amendments.