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Credit file

now
now Posts: 851 Forumite
in Bankruptcy & living with it
i have 4 files on my report which need to be changed, one has been settled but taken over by a DCA so not sure what will happen there. One file which was positive on my file has gone? got no idea why other then the company concerned has recently searched my file, they have not taken my account away from me but my positive payment.

Barclays have my account which was included in my BR as satisfactory and green all the way through BR? It shows the balance and everything being all OK? My Barclay card is not on my report neither are our loans with Barclays all included in BR. Should I ask why or leave it be?

MBNA, HSBC, John Lewis all need correcting so guess I will have fun there.

My main concern is the file that has gone! anybody had this before?
If you woke up this morning congratulations, you have another chance :j

Comments

  • dojoman
    dojoman Posts: 12,027 Forumite
    Have you got the reports from all 3 credit agencies? as I found that some debts were not included on all of them.
    :pB&SC No. 298
    Life`s Tragedy is that we get OLD too soon
    and WISE too late!
  • Ineedaname
    Ineedaname Posts: 3,681 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Beat me to it Dojo!
    When I joined, I needed a name. The forum members gave one to me...I am INAN :D
    "Fortunes ebb and flow and a boat must move with the tide and be thankful that it floats." Judith Allnatt
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    with the barclays debts...anything marked "max recovery" ? they usually deal with barclays stuff..showed on mine
    We all die. The goal isn't to live forever, the goal is to create something that will
  • now
    now Posts: 851 Forumite
    philnicandamy wrote: »
    with the barclays debts...anything marked "max recovery" ? they usually deal with barclays stuff..showed on mine[/QUO

    No nothing at all is just a big fat line of little green buddies all smiling at me.
    If you woke up this morning congratulations, you have another chance :j
  • now
    now Posts: 851 Forumite
    dojoman wrote: »
    Have you got the reports from all 3 credit agencies? as I found that some debts were not included on all of them.

    Done the two big ones they are both the same, so not sure really what to do
    If you woke up this morning congratulations, you have another chance :j
  • now
    now Posts: 851 Forumite
    Also I have just noticed that the OR office have my date of birth wrong :eek: making me ten years older, will this matter?
    If you woke up this morning congratulations, you have another chance :j
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    now wrote: »
    Also I have just noticed that the OR office have my date of birth wrong :eek: making me ten years older, will this matter?


    it could cause you an issue...a quick call to your OR should sort it

    (now if it was 10yrs younger....)
    We all die. The goal isn't to live forever, the goal is to create something that will
  • now
    now Posts: 851 Forumite
    philnicandamy wrote: »
    it could cause you an issue...a quick call to your OR should sort it

    (now if it was 10yrs younger....)

    OK will do it on Monday morning, and yes I wish i was 10 years younger :cool:
    If you woke up this morning congratulations, you have another chance :j
  • cheesedoffwithdebt
    cheesedoffwithdebt Posts: 331 Forumite
    Part of the Furniture Combo Breaker
    I just did a check on experian the other week- and my biggest creditor, NatWest-don't even show up- which is bizarre as it was their bully boy tactics that forced my hand to set up an IVA-and some of the debts which are now in the IVA are shown as settled, don't understand it at all!
    now debt free and determined to maintain good spending habits and build savings
  • Ineedaname
    Ineedaname Posts: 3,681 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Have you checked Equifax and CallCredit as well? Each company has their preferred credit agency and they will only search one, not all three.
    When I joined, I needed a name. The forum members gave one to me...I am INAN :D
    "Fortunes ebb and flow and a boat must move with the tide and be thankful that it floats." Judith Allnatt
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