Defaults still open on credit file

greenl4

Hi Everyone,
This is my first post so please bear with me!

Ok, so I declared myself bankrupt in December 2009 and was discharged September 2010.
I have just checked my credit report (a free report through my new Aqua credit builder card) and although it says 'no bankruptcies found'. The defaults, that I went bankrupt for, are still on there and showing that I am still defaulting?! I am assuming that these should be showing as closed.

Can anybody advise me on this? I did go bankrupt through no fault of my own, my partner left me and our baby and I had no choice at the time. I am now desperatly trying to improve my credit report so I can get a mortgage in the near future. I have just been accepted for Tesco Credit card with a £6000 limit so I cant understand that my report is still 'very bad'.

Any help would be appreciated

fermi

On Experian they will carry on showing as an 8. That is normal.

Is there any indication they are satisfied or a partial settlement marker. Usually seen on the main section of the entry rather than in the status code history. If not then that would need sorting.

Dunny888

My first post too.
Having been made bankrupt in 2011 and discharged in 2012 I'm trying to tidy up my credit file. I've established 2 decrees are still showing as live although they were wrapped up in my bankruptcy
I've been told I can't get them amended as satisfied until they're paid or 6 years after my bankruptcy. This is coming from the AIB, my trustee and Experian.
Is this the case? Any advice greatly appreciated. I'm doing everything I can to get my data corrected but have hit a brick wall with this.
Thanks

fermi

In England/Wales the register of Judgements and Fines Regulations 2005 says that you can only have court orders marked as satisfied if they were actually paid. A bankruptcy may mean they are no longer legally enforceable against you, but that is not enough.

I'm not overly familiar with the legal mechanism on the Scottish side, but sounds as if much the same applies with decrees from what the AIB says. I would imagine asking the courts themselves would be a logical step, as to whether they can be marked satisfied, and if so how?