Credit Clean Up

grangers72

Good Afternoon


I was hoping for advice as to how my credit files should look- I'm not being lazy, I have read the credit file clean up, but for some reason it is not registering.


I went BR on 26/11/2009, and was discharged 26/11/2010- should by defaulted accounts drop of my credit record in 2015 or 2016 (is it six years from BR or discharge). I've read a few sites and each seem to differ.


Also on my credit records- the 'settled' dates seem to be after my BR, should the settled dates and the BR date be the same date? Do the below look correct?


Equifax

Status

Settled

Current Balance

£ 0

Start Balance

£ 0

Credit Limit

£ 0

Default / Delinquent Balance

****

Date Updated

26/11/2010

Date Satisfied

26/11/2010

Default Date

26/11/2009


Experian/Credit Expert


My accounts all look different.


First

Default Date:

26/11/2009

Default Balance:

*****

Satisfaction Date:

26/11/2010

Account Type:

CA

Started:

*****

Overdraft Balance:

Satisfied

Second
There is no 'satisfied' date

Default Date:

26/11/2009

Default Balance:

****

Account Type:

Loan

Started:

***

Current Balance:

Satisfied

Third

Default Date:

26/11/2009

Default Balance:

****

Satisfaction Date:

26/11/2010

Partial Settlement:

Start Date:

01/11/2010

Current Balance:

Satisfied

I got to the above stage by writing to my creditors on a number of occasions.


Thanks in advance for any assistance

fermi

They are all OK.

Any satisfaction date should be your discharge date, so that is correct.

The account will drop off your report 6 years from the default date, no matter what the satisfaction date, so they will all be gone by the end of 2015.

grangers72

Thanks Fermi- was one of those situations where the more you read up on this subject the more you confuse yourself