Getting ready - Clean Up Question

TheGardener

I am not AD until June but I am trying to be prepared for my file clean up: Currently, all my BR accounts are showing as default with dates being updated more or less every month for all of them (all showing default dates as Feb 2014)

Once I am AD should I expect some of these entries to change and then just look out for the ones that don't? If so - how long do I wait for them to up date them before I start writing to them?
or - is it that almost none of them will update unless I write to them so I start writing more or less as soon as I am AD?

wharty

TheGardener wrote: »

I am not AD until June but I am trying to be prepared for my file clean up: Currently, all my BR accounts are showing as default with dates being updated more or less every month for all of them (all showing default dates as Feb 2014)

Once I am AD should I expect some of these entries to change and then just look out for the ones that don't? If so - how long do I wait for them to up date them before I start writing to them?
or - is it that almost none of them will update unless I write to them so I start writing more or less as soon as I am AD?

Hi Gardener i can't offer any advice but it's a question i have been meaning to ask too. I was also made bankrupt In June 13 and i am counting down the days!

philnicandevan

TheGardener wrote: »

I am not AD until June but I am trying to be prepared for my file clean up: Currently, all my BR accounts are showing as default with dates being updated more or less every month for all of them (all showing default dates as Feb 2014)

Once I am AD should I expect some of these entries to change and then just look out for the ones that don't? If so - how long do I wait for them to up date them before I start writing to them?
or - is it that almost none of them will update unless I write to them so I start writing more or less as soon as I am AD?

stuff "should" change but sometimes creditors will continue to default...once your discharged give it at least a month or two for your credit files to update..then request your £2.50 credit files from the three biggies have a read through the clean up sticky fermi sorted that'll hopefully help correcting the incorrect entries

fermi

I always think it's up to you as to how pro-active you want to be?

Creditors sometimes do update the CRAs correctly within a month or so of your discharge, but many also don't. Not also a lot of consistency, so it's hard to say who will or won't based on the creditor involved.

If you want to go super pro active then get your credit files at point of discharge or very shortly after and start writing/emailing those with something wrong.

Or if you are not so much in a rush, remembering that the biggest bad mark on your file will be there for 5+ years more anyway, then you could wait a few months, see who updates normally (if any), then tackle the ones that haven't.

In the end your call given how you feel.