Credit File is this right?

AnnaLMLH

Hi
just checking my file again
is this right
account start date
16/08/2001
Account end date
13/08/2011

Opening balance
£ 2,628

Repayment frequency
Monthly

Date of default
30/11/2009




the red dots underneath all this say PS Feb 2012

now I was made bankrupt augut 2010 discharged aug 2011

does this reflect right as the end date is right but the red dots dont seem to be#'

AnnaLMLH

it says satisfied 15/2/2012 so definatly wrong and this is after writing once already

does anybody have the data controller address for Tti Spc?

fermi

The PS date should be Aug 2011 technically, but it won't change when this comes off your report this year so may not be worth the hassle of correcting.

The red dots are default status markers I presume and don't matter either. It's the main default date that is crucial, and that is fine.

AnnaLMLH

thank you,
we are trying so damn hard to rectify my stupid late teens early twentys i just want to makr everything right

AnnaLMLH

will this drop off in november this year then? six years from default

AnnaLMLH

fermi one more thing
this one
Account type
Credit Card

Account number
************6759 0

Account start date
13/02/2003

Account end date
30/09/2012

Repayment frequency
Monthly

Date of default
20/02/2009

Default balance
£ 8,621

when would that drop off?

fermi

Yes, the first one will drop off in November this year.

That 2nd one will drop off NEXT month.

AnnaLMLH

wow seriously, even though it wasnt settled in bankruptcy till i went in 2010 and discharged 2011

AnnaLMLH

drop of being forever gone on my file, im working of my noddle one here, but i am awaiting the paper ones of the others i get them every couple of months to keep up to date
date on noddle should be the same on all i am guessing

fermi

Yes, it is the default date that controls when it drops off. 6 years from that.

In your case that happens to be quite a while before your bankruptcy, which as far as clearing your files go means it comes off even sooner.

AnnaLMLH

thats good looks like 4 of the 5 defaults will fall off this year, i doubt this will bring my rating up as im not past the six years till august 2016 and the last default will go that day too

ive checked and my mobile phone contract shows on my file theres never been an issue with it so im hoping that classes as good as well as the mortgage we have had running since before all this started, and no payments ever late or missed