DRO discharge, how to clean up file?

sacha28

Hi guys, I did ask this question a few months ago but can't find the thread!!
I have recently been discharged from my DRO and was wondering what, if anything, I need to do now? I would love to start repairing my credit, we have worked hard to get our spending under control and stop being so delinquent, but can't remember what advice was given (quite a bit of time has passed since the thread).
I understand that this is just the beginning and we still have quit a bit of work to do before things are sorted but please can you wonderful people please point me in the right direction?
For some reason my experian report is saying that I'm not on the electoral roll, yet I filled out the form and sent it back at the end of September last year. Why would I not be showing on it?

Tixy

The electoral roll information only updated on the 17th Feb for the form you completed in autumn. The update from the council to the credit reference agencies could take around 4-6weeks before it shows on your files with the agencies.

Some info here on cleaning up your file Credit Reference File Clean Up Post Bankruptcy for a DRO the default date should be no later than the start date of your DRO. For a template letter see the link in post 2 of this https://forums.moneysavingexpert.com/discussion/4859204

Do you have any current credit agreements at all on your files (that were not in the DRO), e.g. mobile phones, utilities etc?

sacha28

No I have no credit. As part of our attempts to sort out our finances and budget better we had pre-payment meters installed (BAD idea it turns out!!!) and my mobile phone contract is in my partners name.
Looking at my file, there are 3 things that were on the DRO that are not yet showing as settled.

And that link is incredibly useful, thank you