clearing up my file

debrag

UPDATE:

Arrow Global who bought my MBNA account have changed from D to US.
I still have my TSB loans as D, a credit card as D which was sold to Atkiv now US (think the statute barred account).

Totals

OK = 4
S = 7
AR = 1 (TSB cc -should be SF/PS)
D = 2 (TSB loan + unknown)
PS = 1 (capital one)
US = 2 (both DCAs)
DA = 1 (MBNA who sold it)
SF = 1

debrag

Callcredit:

Arrow Global = D (Sept 09) US (Jan 11) | OPEN
Capital One = PS (Sept 09) | CLOSED
Atkiv = D (June 06) SF (July 10) | CLOSED
MBNA = D (Sept 09) DA (Jan 10) | CLOSED

Equifax:

Arrow Global = D (Sept 09) | OPEN
TSB Bank Account = D (Oct 10) | OPEN
TSB Credit Card = AR | OPEN
TSB Loan = D (Sep 10) | CLOSED
Capital One = D (Aug 09) | CLOSED
Atkiv = D (Mar 06) S (Apr 06) | CLOSED

debrag

debrag wrote: »

Callcredit:

Arrow Global = D (Sept 09) US (Jan 11) | OPEN
Capital One = PS (Sept 09) | CLOSED
Atkiv = D (June 06) SF (July 10) | CLOSED
MBNA = D (Sept 09) DA (Jan 10) | CLOSED

Equifax:

Arrow Global = D (Sept 09) | OPEN
TSB Bank Account = D (Oct 10) | OPEN
TSB Credit Card = AR | OPEN
TSB Loan = D (Sep 10) | CLOSED
Capital One = D (Aug 09) | CLOSED
Atkiv = D (Mar 06) S (Apr 06) | CLOSED

So the accounts above are no longer on my reports. I have 1 credit card for Equifax but not callcredit and it's not named.

Does having previous tenants on my reports under electoral roll mean anything? I also have 3 linked addresses that are wrong.

3 of my creditors that do appear are down as my last address should I update them?

fermi

What do you mean no longer on your reports?

Creditors will be recorded against the last address they had for that account. So that is OK.

- So, what accounts are still listed as being defaulted after your DRO date?
- And what accounts covered by the DRO are not marked as settled or a partial settlement?

Those are what you need to correct.

Ineedaname

debrag wrote: »

Does having previous tenants on my reports under electoral roll mean anything? I also have 3 linked addresses that are wrong.

Previous tenant data is just that, historical information, it doesn't mean they are linked to you in any way. Will drop off after 6 years.

What's wrong with the linked addresses? Should they not be linked at all or is it just the detail of the addresses?

debrag

Linked address's have the wrong information.

Femi I don't know which accounts are defaulted & which are settled as I can't see them on any of my reports online.

Ineedaname

Sorry to be a pain, but what sort of wrong information, I'm not sure I understand the problem here. To be honest, if any of the linked addresses are due to drop off shortly then I wouldn't worry about them.

debrag

As in wrong house numbers. I have the correct ones but also the incorrect ones.

All the creditors I can see have only 1 or 2 addresses but I have more than those as linked addresses. Surely I'm missing creditors.

Ineedaname

Ah, I getcha now. It may be that the wrong details were input by a search at some point in the past, or by a creditor when updating your files. You can always write to the CRA to confirm which addresses are correct and which are errors. They might be able to delete the wrong ones for you if there's no records marked against them, or amend them otherwise.

Hey, if it doesn't show on your report don't go looking for it! Just keep an eye on your reports by getting the £2 statutory ones once a year. If anything reappears incorrectly then you know how to get it corrected.

debrag

I got my £2 one from experian which has removed a few creditors since the last one I looked at.