Help with Credit Clean Up

sam-wileman

Hi, Can somebody please help me?

My credit files have arrived and I am starting to go through them, but my records dont look like the sample records on the Credit Clean Up thread and I cant see how the information relates to what I have in mine. I'm all confused :huh:

Contracts_Engineer

lets say you owed lloyds £10000 when you went br.

your credit file should show that lloyds is owed £0 or says settled.

You should not have any outstanding debts, all should say £0 / settled / satisfactory from the date you went br

sam-wileman

Okay, I am slightly dim If I give an example, on mine it says this;

Current- £+0
Default- £783
start- 15/07/2008
Default- 10/2009
End- 31/10/2009
Supplementary Flag- Partial

BR in Feb 10 and discharged Jul 10

So would this be correct on my file?

fermi

That one is OK.

Default date is on or before your BR date = correct.

Partial settlement flag = correct/acceptable

Contracts_Engineer

also it says "current £0" which i believe is what your after as well :T

sam-wileman

Thanks for your help.

Does the record have to have settled/ partial settled on. I have quite a few that say current balance £0 will that be enough?

So the ones that are wrong will be the ones that have a current balance?

Also I have a lot of searches from a "Mackenzie Hall- Kilmarnock" for "Trace" dating back to 2010, will these drop off my file or do I need to ask for them to be taken off?

Sorry for being a pain

sam-wileman

:eek: I have just looked up Santander for an address and there is loads! How do you know which one to write to?

Also quite ironic,is that 2 of the records wrong on my file are the only 2 companies I have credit with now, not sure how that works