HELP with understanding credit report

kelly_2009

Hi
I am abit confussed and was wondering if anybody could help me.
I was delcared bankrupt 2nd sept 2008 and discharged on 2nd september 2009.

I have been looking at me credit report and Iam finding it hard to understand.

Since being delcared bankrupt I had to open a new bank account. All old accounts were supposed to be closed.

On my credit report some off the loans,cards etc that I included in my Bankrupcty order show like this :


stantader Default £3867 last updated 28/2/2010
Name:xxxxxx Address:xxxxxxx

Date of birth:xxxxxxxx
Company!name:
SANTANDER UNSECURED PERSONAL LOAN
Account type:Loan
Special!Instruction!Indicator:Gone Away
Special!Instruction!Start!Date:01/05/2009
Started:20/03/2007
Default Balance:
£3,872
Current Balance:
£3,367
Repayment!Period:
Monthly!Payment:!£73 over!60!months

HSBC BANK - CARD S... Credit card Default £3,293 07/12/2008

Name: xxxxxx
Address: xxxxxxx
Date of birth: xxxxxxx
Company name: HSBC BANK - CARD SERVICES
Account type: Credit card / Store card
Started: 24/03/2006
Default Balance: £3,293
Current Balance: £3,293
Defaulted On: 12/09/2008
File Updated for the Period to: 07/12/2008

Is this correct????????
Any advise welcome
Thank You

IF

Hello Kelly, I haven't gone through this myself yet. But Fermi's sticky about clean up your credit files takes you through this x

Click below:-

http://forums.moneysavingexpert.com/showthread.html?t=677875

fermi

Both are incorrect.

The default dates should be your BR date or before. One is incorrect by just a few days, but the other is several months out.

Also on both, they still list an outstanding current balance. The current balance should be marked as settled/satisfied. Perhaps with an indicator to say a partial settlement, which is acceptable for a BR debt. HSBC normally do that.

As said, see the link for further info on getting them corrected.

kelly_2009

Thank you so much for your help and advice it is so confusing I will follow the advice in the link and see what happens Again Thank you