Clean up question - confused

The_Duchess_3

Hi

Was discharged in October 2012 and am just starting to clean up my credit file. I have got my report from experian and just wanted a couple of things claried if possible.

1 A loan that was included in my BR is not showing as settled and also has an outstanding balance on it. Am I correct in thinking that I have to contact the lender to get it amended?

2 There is a credit card on there that I haven't had or used for yonks, it's not showing an outstanding balance but doesn't show as settled do I need to do anything with that or is that a normal status??

Many thanks

dojoman

The_Duchess wrote: »

Hi

Was discharged in October 2012 and am just starting to clean up my credit file. I have got my report from experian and just wanted a couple of things claried if possible.

1 A loan that was included in my BR is not showing as settled and also has an outstanding balance on it. Am I correct in thinking that I have to contact the lender to get it amended? Yes.

2 There is a credit card on there that I haven't had or used for yonks, it's not showing an outstanding balance but doesn't show as settled do I need to do anything with that or is that a normal status?? As long as it is not showing as defaulted, you do not need to do anything.

Many thanks

Hope this helps?