When to clean up your credit file???

fermi

Charco wrote: »

The ICO cant ignore your complaint then though!

Shouldn't, but they sometimes do.

Saw a couple of cases last year where the ICO did not uphold the complaint since the data had not been disputed with the original creditor by the debtor. Apparently the CRA did not have to amend the data since the creditor had told them upon query that it was accurate. :rolleyes: And these were cases with evidence.

One of those was on CAG I think (another site anyway) , and the other I was PM'd here about.

I know it is bloooody daft, but there you go.

That is why I still normally say to dispute with the OC in all cases, then perhaps with the CRA as well as a "belt and braces" approach.

happychappy74

Charco.

***PS HappyChappy - i hope you mean that that is good news coz it show progress in your credit rating, not because it means you can have those new shoes this weekend or that the champagne is on you!***

Too right mate. Its for calm, considered credit rebuilding only. I was always quite good with my finances prior to the IVA, which only came about owing to protracted Family Courts action just to maintain contact (at my expense) with my son, as the ex got her fees courtesy of the tax payer so could be (and was) as obstructive and frivoulous as possible.

Oh well, you live and learn I suppose.

Besides, my tastes have never run to that of champagne lol.

:beer: