Credit file clean up

Nut97

Afternoon,

I have recently carried out a credit file clean up with two lenders (covering three accounts), I have had the balances changed from £XXXX now to 'Satisfied' however they are still showing as default where as another account that was sorted when I 1st got my DRO shows the satus as 'Satisfactory'
The accounts in question I have listed below along with the date they was edited by the company as part of the clean up.

Halifax current account edited 14/6/12
Halifax credit card edited 11/6/12
Shop direct (Aka Littlewoods) edited 25/6/12

Should the 'status' of the account be changed? or will it remain default? I was thinking that it maybe a month from editing date for it to change but not 100% sure.

Kind regards,

Nut

fermi

Having it marked in some way to show settled/satisfied doesn't remove the default. It should just now be a settled/satisfied default if you see what I mean?

If you still think it is wrong, then post up the text of what it says, plus the sequence of status codes.

Nut97

http://i47.tinypic.com/1190xdu.jpg

Please find image at the above link

fermi

Been a while since I've checked the online reports from Experian/CreditExpert, but as far as I recall that is fine.

Equifax & Callcredit will update the latest status to show an "S", but on Experian/CE it just stays an "8".

Important thing is that the account says satisfied with a £0 balance. That is does, so is fine.

Nut97

Thats great, thank you for your help Fermi

fermi

No probs.

To be honest, even if that code was technically wrong, it wouldn't matter.

The account says settled in the main fields. The default date is correct as on or before your BR. That is what is important.

It will come off your report 6 years from the default, and in the meantime a slightly wrong status code would be negligible in impact to the damn great "nasty" of the BR order iself on your report.