We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Credit File Clean Up Assistance
JoeAlonso
Posts: 92 Forumite
Hi there,
Long time since I posted here, well back to 2008/09 when I actually went bankrupt. Well I'm back due to wanting to clean up my credit file. At present I have two accounts that are not showing as satisfied or settled so I have used the template from here and will be putting those in the post tonight.
The assistance I need is the following:
I have 3 creditors on my credit file that either state Settled or Satisfied but with the dates as 14/8/11, 8/4/12 and 31/7/11 respectively though my bankruptcy date was 8/12/2008 and discharged on 8/12/2009.
Do I need to contact these 3 creditors and ask them to change the date to between my bankruptcy order date and discharge date too?
Long time since I posted here, well back to 2008/09 when I actually went bankrupt. Well I'm back due to wanting to clean up my credit file. At present I have two accounts that are not showing as satisfied or settled so I have used the template from here and will be putting those in the post tonight.
The assistance I need is the following:
I have 3 creditors on my credit file that either state Settled or Satisfied but with the dates as 14/8/11, 8/4/12 and 31/7/11 respectively though my bankruptcy date was 8/12/2008 and discharged on 8/12/2009.
Do I need to contact these 3 creditors and ask them to change the date to between my bankruptcy order date and discharge date too?
0
Comments
-
As long as the default date is on or before 8/12/2008, then it's not essential to get those corrected.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Thanks Fermi,
I checked and all the default dates are before my bankruptcy date so that is fine.
Last question is, I had a loan with Welcome Finance which I defaulted on before the 4th December 2012. They have stated the account as 'Settled' on 8/4/12. Do I need to contact them seeing as they are saying it's settled and not just satisfied?
I'm checking with Experian by the way.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604.1K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards