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CF Cleanup

lala9
lala9 Posts: 686 Forumite
Part of the Furniture 500 Posts Combo Breaker
in Bankruptcy & living with it
Annoyed!

Discharged on the 19th September. I've been logging in and out of Noddle which updates it files today, so excited to see if any of my creditors have updated my files to show settled, but no, they haven't, so I guess I wait until next month now. Anyone else in the same boat?
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Comments

  • IF
    IF Posts: 34,349 Forumite
    10,000 Posts Combo Breaker
    Hi Lala, Tbh I wouldn't just reply on Noodle.....check the 3 main CRA's and if your creditors still haven't changed your details, email them with a Copy of your BO (Bankrupcy Order) or your proof of discharge and they will help you too.

    They are £2 each for paper/online copies.

    Click on blue links below:-

    Experian - Click here

    Equifax - Click here

    Callcredit - Click here
    NB: You can't order a paper copy online, they would rather you pay £12 don’t do that just print off the application form, P.O. for £2 and post this recorded delivery.


    IF...x
    "If wishes were horses, then beggars would ride"
  • lala9
    lala9 Posts: 686 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Thanks If, I'm probably jumping the gun a little and should wait the 3 months that everyone suggests. Noddle appear to have all my information of every account however.
  • droiderm
    droiderm Posts: 778 Forumite
    Seventh Anniversary 500 Posts Combo Breaker
    lala9 wrote: »
    I've been logging in and out of Noddle which updates it files today, so excited to see if any of my creditors have updated my files to show settled,

    Same here. It's 0 days for me, but it's not updated yet.
    I only signed up last month, but I am *thinking* it will be updated just after the time you first signed up. Check if you still have the welcome email. Mine should be just after 2 today...
  • PippaGirl_2
    PippaGirl_2 Posts: 2,218 Forumite
    I think they are all slow. My BR isn't on there yet and I went BR in May. I suspect it may be on there when I get this months report, if so that will have taken 5 months.
    "Our prime purpose in this life is to help others. And if you can't help them, at least don't hurt them." Dalai Lama
  • Experian_company_representative
    Experian_company_representative Posts: 2,134 Organisation Representative
    Part of the Furniture Combo Breaker
    May be worth sending proof of the discharge to your creditors to try to speed things up. Credit accounts records are updated with the CRAs once a month.

    James Jones
    “Official Company Representative
    I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"

    Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen
  • lala9
    lala9 Posts: 686 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Experian_company_representative wrote: »
    May be worth sending proof of the discharge to your creditors to try to speed things up. Credit accounts records are updated with the CRAs once a month.

    James Jones

    Thank you for your response. On a slightly different issue but related, I had a joint account which was part of my BR, will this defaulted account become settled too? The other person isn't BR.
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    While there is an argument on fairness that your file should state it is settled on your part, technically the account is not settled unless you both went BR.

    Seems that in most cases the 2nd interpretation prevails, but may be worth a go anyway.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • emmarbos
    emmarbos Posts: 183 Forumite
    What is this noodle thing?
  • mysterio_2
    mysterio_2 Posts: 525 Forumite
    500 Posts
    emmarbos wrote: »
    What is this noodle thing?

    its a service that offers free credit reports for life..

    https://www.noddle.co.uk/
    Friends help you move. Real friends help you move bodies.
    :p
  • chunx
    chunx Posts: 151 Forumite
    emmarbos wrote: »
    What is this noodle thing?

    I was going to ask the same thing. So glad it wasn't just me wondering...
    mysterio wrote: »
    its a service that offers free credit reports for life..

    https://www.noddle.co.uk/

    Thanks for sharing the link too!

    This may seem like a silly question but does it hurt to sign up to it now, even if you are undischarged?
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