Surely this is a mistake!!

liquidbutindebt

I've just checked my credit report and there are two entries relating to my bankruptcy. Once is the order itself. The second is an order of discharge, for the same date!

What's going on there then. Also, the IS online database has been offline for _aaagggeeesss_ now!

andyf1980

Not sure but I was on the IS database twice (when it was still working!)
Br only on my credit report with Experian once.:mad:

fermi

That is odd.

If they are going to have an error, at least it's not an adverse one.

now

liquidbutindebt wrote: »

I've just checked my credit report and there are two entries relating to my bankruptcy. Once is the order itself. The second is an order of discharge, for the same date!

What's going on there then. Also, the IS online database has been offline for _aaagggeeesss_ now!

The register is back up and running, I had 2 entries on my report also creditors on twice, I contacted Credit Expert and they corrected it, it was because my address had been entered twice

Experian_company_representative

now - if your address was entered twice then there weren't actually two entries, you were just seeing the one entry twice.

liquidbutindebt - I believe we do register two entries, one for bankruptcy and one for discharge. That's just the way we do it. It's certainly not going to affect credit scoring. Just make sure any defaults that are recorded which were covered by the bankruptcy also show as clear now. If not, you can contact the lenders direct or ask us to do it for you.

James Jones

fermi

Having a quick look at mine, I now wonder if liquidbutindebt is getting the 2 dates mixed up?

The discharge entry should have.

This entry shows that your bankruptcy has ended. The first date is the date of the original bankruptcy. The second date shows the date of the discharge. We will remove this information from your credit report six years after the date of the original bankruptcy.

The problem is, it's easy to misread those dates.

You have:

Name: YOUR NAME
Address: YOUR ADDRESS
Information type: Order of Discharge
Date: dd/mm/yyyy
Court: SOMEWHERE COUNTY COURT
Case number: XXXXXXXXXX
Information Source: Insolvency Service
Satisfaction date: dd/mm/yyyy

Where:

Date = Original BR date
Satisfaction date = discharge date.

However, if you don't look too closely or read the notes, then you can easily mistakenly read the first date as being the date of the "Order of Discharge".

liquidbutindebt

No mistake fermi, the dates are identical on both the bankruptcy and discharge order entries on my credit file.

fermi

Name: YOUR NAME
Address: YOUR ADDRESS
Information type: Order of Discharge
Date: dd/mm/yyyy
Court: SOMEWHERE COUNTY COURT
Case number: XXXXXXXXXX
Information Source: Insolvency Service
Satisfaction date: dd/mm/yyyy

If the date in red is the same as your BR date, then that is correct.

liquidbutindebt

fermi wrote: »

[/I]If the date in red is the same as your BR date, then that is correct.

Yep that date is my BR date, but the satisfaction date is 1 month after my BR date. That's the weird thing.

now

Experian_company_representative wrote: »

now - if your address was entered twice then there weren't actually two entries, you were just seeing the one entry twice.



James Jones

I still have two entries for one creditor one showing settled on xxx end then defalted 3 months later sorry I do not want to hijack the thread

fermi

liquidbutindebt wrote: »

Yep that date is my BR date, but the satisfaction date is 1 month after my BR date. That's the weird thing.

Odd, but it doesn't really matter.