Bankrupt & Credit Report Questions
empi_pervert
Forumite 4 Posts
Hi
Hope I am posting in the right section as i'm new here.
I was discharged from bankruptcy in June 2011. My wife and I are hoping to get a mortgage later on this year as we have now saved a sizeable deposit and feel the time is right to (hopefully) get on the property ladder.
To help with the above and after reading some posts on here I obtained my £2 Credit Report from Equifax last week and have some questions regarding this.
I basically want to know how I can get the information changed on the report to show that the debts are now cleared?
The report bumph says I can write to them asking them to remove incorrect info from the file. As I am now discharged I feel some of the report showing defaults should be changed to reflect this.......
....But i'm not sure how to put this in writing?
Are there any of those sample letters I can use for this?
What do I say? How much info do they need? Do I need to include any reference numbers relating to the discharge?
I'm a bit stumped.
If anyone can help i'd much appreciate it.
cheers
Nick
Hope I am posting in the right section as i'm new here.
I was discharged from bankruptcy in June 2011. My wife and I are hoping to get a mortgage later on this year as we have now saved a sizeable deposit and feel the time is right to (hopefully) get on the property ladder.
To help with the above and after reading some posts on here I obtained my £2 Credit Report from Equifax last week and have some questions regarding this.
I basically want to know how I can get the information changed on the report to show that the debts are now cleared?
The report bumph says I can write to them asking them to remove incorrect info from the file. As I am now discharged I feel some of the report showing defaults should be changed to reflect this.......
....But i'm not sure how to put this in writing?
Are there any of those sample letters I can use for this?
What do I say? How much info do they need? Do I need to include any reference numbers relating to the discharge?
I'm a bit stumped.
If anyone can help i'd much appreciate it.
cheers
Nick
0
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Replies
Only thing is as it's a few years ago where do I find the following?
Bankruptcy Order - Is this 'Form 6.30'?
Discharge Notification - I'm not sure I ever got this from OR, where do I get a copy?
cheers
Nick
I have just read that it would be ok to send a letter from the OR confirming my date of discharge will be ok for the credit agency.
Is this right? Or do I have to fork out for a copy of the official certificate at £70 plus £5 for each additional copy?
Can anyone help please?