Credit File Clean Up

Nikkisun

So I'm a month past discharge and just starting to look at cleaning up my credit files.

Most of the entries are correct with a default date the same as my BR date and showing as partially settled.

There are a couple that have a default date prior to my BR date which are not showing as partially settled - do I need to contact these?

Also I have a CCJ on my file - do I need to contact the court to get this marked differently in any way?

Thanks.

fermi

The accounts should be marked as partially settled, but it's not critical as it's the default date that controls when things drop off. Up to you whether you bother trying to correct.

CCJs are technically under court rules not satisfied by a BR order. They are just not enforceable against you any more, so the status of those stays the same.

Nikkisun

Thanks - will concentrate on the entries with incorrect default dates!