Bankruptcy- but still have outstanding amounts on my credit file.. help??

tayo222

I was discharged from my bankruptcy in nov 2008 but on my credit file (experian) it still shows that i owe 2 creditors(both halifax) which i was under the impression, that they should of been removed and settled??

Anybody any advice tips etc would be greatly appreciated.

thanks

Tixy

Hi

Have a read of this article - Credit Reference File Clean Up Post Bankruptcy hopefully that should have the answers you need.

fermi

Should be marked as settled or a partial settlement, but not removed.

needalittlehelp

fermi wrote: »

Should be marked as settled or a partial settlement, but not removed.

Hi Fermi - why does it matter if they remove the account from credit report? I had issue with Barclays and raised query with ICO and now Barclays have removed the account completely from my credit report.

Experian_company_representative

It is usual for the records of the original credit agreements to stay on your report even though these debts were included in and cleared by the bankruptcy. But if the bankruptcy has now ended the agreements should all be marked as satisfied. If you want to make it clear on your credit report that the individual debts were included in your bankruptcy you can add a note to your report explaining this.

James Jones

fermi

needalittlehelp wrote: »

Hi Fermi - why does it matter if they remove the account from credit report? I had issue with Barclays and raised query with ICO and now Barclays have removed the account completely from my credit report.

tayoo22 asked if they should remove it.

A creditor doesn't have to, and normally won't, but it doesn't matter if they do.