Clearing "defaults" off my credit report.

Stu1977

I declared myself bankrupt on 17 May 2005 and was discharged on 31 October the same year.

Of the three debts that were included in my bankruptcy, one (the largest) is now showing on my credit reports as "satisfied". The other two are still showing as "defaults".

I have written to the companies concerned - Barclaycard and Capital One - to ask them if they will re-categorise them as "satisfied", but they haven't so far and I've heard nothing from them.

I am trying to open a new business account and have had a farcical nine-week wait with NatWest, to then be told that my application had been declined. It was declined not because of my bankruptcy, but because of the two defaults?!

Any advice that anyone can give would be much appreciated.

Regards.

Stuart

AlanD_3

Wow.

I, for one, would be interested in what the outcome of this is.

Did the OR have anything to say or the CAB?

fermi

Please read this sticky from another forum.

http://www.debtquestions.co.uk/debt_forum/viewtopic.php?t=9431

I won't post it all up, since a link will do.
It is excellent advice, and the letter is one suggested by the 'Information Commissioner' themselves.

Stu1977

AlanD wrote: »

Wow.

I, for one, would be interested in what the outcome of this is.

Did the OR have anything to say or the CAB?

AlanD

I haven't actually contacted them, but I will post the outcome.

Regards.

Stuart

Stu1977

fermi wrote: »

Please read this sticky from another forum.

http://www.debtquestions.co.uk/debt_forum/viewtopic.php?t=9431

I won't post it all up, since a link will do.
It is excellent advice, and the letter is one suggested by the 'Information Commissioner' themselves.

fermi

Thanks... that link is great! I'm so glad I asked the question. :T

I will post the letters off tomorrow. I may also post a letter to the company that has re-categorised the debt, as they've only just done so, i.e. last month?!

Regards.

Stuart

fermi

Stu1977 wrote: »

fermi

Thanks... that link is great! I'm so glad I asked the question. :T

I will post the letters off tomorrow. I may also post a letter to the company that has re-categorised the debt, as they've only just done so, i.e. last month?!

Regards.

Stuart

Make sure they go recorded delivery. Still only £1.04. The companies have a habit of denying that they have received this sort of letter otherwise.

And, yes, please post back the results as I'm bound to have to do this myself.