Doing Battle to clean up my credit file

crystal_pixie_2

So I have paid off all my debt and in the process of cleaning up my credit file.

Has anyone else has experienced banks stop reporting on your credit file, but not informed the CRA that is has been settled? I just wonder what rights I have here. It seems a bit of an unfair practise.

I have made a complaint to Lloyds because after 8 weeks my report has not been updated with any of the CRAs. Yet before this they reported every month. It seems that Barclaycard are doing the same - very frustrating!

fermi

Yes, sometimes companies do drag their feet on this.

As you have done, you complain formally, stating that not recording that the debt has been settled/satisfied is unfair and inaccurate and a breach of their duties under the DPA. That if not corrected within 8 weeks you will be taking it to the FOS and ICO.

crystal_pixie_2

Thanks Fermi - good to know that I am on the right track, and I will have a look at the ICO guidelines again.

Quoting these have worked for me in the past.

North37

Hi, it took me 3 months back and forth with my bank and Experian to get it updated, keep going and if they fob you off with 28-35 days to do it, they are lying because in the end I got it done in 48 hours.

crystal_pixie_2

Hi - update on registering my complaint with Lloyds - nothing so far. Experian have come back to me and said that it that the balance should be changed next month. Frustrating seeing as I wanted the card shown as satisfied and no longer open.

I have an address to find out what is happening via Lloyds. If I don't hear anything I will be trying that. You are right North37 it seems to take an age to get accounts settled yet if you are in arrears these are reported each month

WillJMA

I always found they've never let me off with a default, but I've had to actively dispute a settlement