My Credit File Clean Up ?

Angiepange

I think I have just had the kick up the b*m I needed to start cleaning up our credit files. We are 8 months discharged.

Received a transaction statement today from our overdraft that was included in mine and husbands BR. The balance is still showing as owed.

The accompanying leaflet goes on to explain that we will receive a statement as long as the balance is owing to them???? (thought it was settled on AD?) and gives advice on how to settle the account in full, or infoms us that they may transfer the debt to one their debt recovery agents. Is this likely to happen? I don't like the thought a DCA may start harrassing us again.

Payday tomorrow so will start by sending off for our credit reports to Experian, Equifax and Callcredit and follow the info in Fermi's thread.

No doubt I will be back for some advice from the kind people on this board ! Thanks

Ineedaname

I would also send a copy of your BR order to the overdraft bank and confirm if they chase they will be doing so illegally. I'm sure one of Fermi's sample letters can be amended to suit.

Let us know how the clean up goes Angie.

dojoman

Hi Angie, hope you are well:) You can order your £2 statutory reports from Experian and Equifax on line but for some reason the Call Credit one you have to print off the form and send it by snail mail.

philnicandamy

it may seem a little daunting...BUT its pretty easy sorted

you know where I am if you need a hand with it all

sugarbabe-47

Hi Angie I know how you feel I am still struggling to get my files cleaned up!! I started last September and got a couple that I have to take to the ICO - Annoys me that companies who are included in your B/R STILL insist you owe money even though its provable in B/R. I waited a full 12 months after discharge thinking that all my files would be corrected...hmmmm....not so I am afraid...I received a threatening letter last week from one of my creditors and it appears the debt has been sold on....grrrrr... anyhoo Fermi has assisted me right the way through my clean up, its a long process if you have a bad bunch like I have!!! Just make sure you send EVERYTHING recorded delivery as then you can print out receipts etc if you need to escalate to ICO etc. A few of my creditors soon corrected the information once I fired off the first lot of letters..lol..
As Fermi states in his sticky, just follow his letters and it will get sorted. Get on it!!!!!

Love n stuff

Sugar xx

Experian_company_representative

If a debt was included in a bankruptcy which has now ended then the lender has to update the information on your credit report to show that nothing is now outstanding. If any lenders are refusing to do this you can ask us to intervene for you.

James Jones

sugarbabe-47

Aha Experian man just the person I have been waiting to catch here!! I have been struggling now since last Sept and have contacted both your company and Equifax regarding 4 of my creditors REFUSING to amend the records....I was told from Experian to write again to the creditors sending B/R paperwork and Discharge paperwork....?????? So not having a go at you here but I had already sent 2 lots of paperwork to said creditors and they are STILL REFUSING TO amend my records?????

So how can you intervene if your company is telling me to do the obvious??? and I had already told Experian I had sent all this to them and EVEN faxed a copy over to your office, all proof etc??? And I am a PAYING member!!!
Regards
Sugar x

Experian_company_representative

Sugar - please send an email with you report reference number to the address in my biog on here. I'll ask my colleagues to look out for it and we'll see whether we can sort this out for you.

James Jones

sugarbabe-47

Hi James Tried to PM you but no joy!! thanks for the reply I will do but I think I am waiting for a reply from your Co...I sent a complaint in last week and waitng for a reply. Where is you email addy? Thanks a lot, I really do not want to have to go to ICO with all this as it is time consuming and for me this has been going on far too long now, back and forth between Experian and Equifax and Creditors!

Sugar

James - Have a read here too please
https://forums.moneysavingexpert.com/discussion/3174928

Thanks Sugar

sugarbabe-47

https://forums.moneysavingexpert.com/discussion/3174928 oops try this one

fermi

sugarbabe-47 wrote: »

Where is you email addy?

[noparse]customer-relations@uk.experian.com[/noparse]