Bankrupt & Credit Report Questions

empi_pervert · 30 April 2013 at 8:15PM

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

abertawe1 · 30 April 2013 at 8:42PM

try this https://forums.moneysavingexpert.com/discussion/677875

empi_pervert · 1 May 2013 at 7:10PM

Excellent thanks :j

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

empi_pervert · 1 May 2013 at 7:18PM

Right bit baffled here???

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?

empi_pervert · 3 May 2013 at 7:00PM

Still can't work out if a letter will be ok.

Can anyone help please?

tigerfeet2006 · 3 May 2013 at 8:05PM

Yas a letter from your OR will be fine. There has been the odd one or two companies that have been !!!!!! but don't pay out for the certificate unless you absolutely have to.