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Is my credit file correct ?

Hello I'm hoping that somebody can assist in telling me if the following entry is shown correctly on my credit file please.
I have read through the thread on credit file clean up post bankruptcy and I'm still not sure if it is correct.

I was declared BR 21.01.2010 and discharged 19.07.2010

The entry shows as follows:

Name - xx
DOB - xx
Terms - 0 @ £0 (monthly)
Status - Settled
Current Balance - £0
Start Balance - £0
Credit Limit - £0
Default/Delinquent Balance - £xx
Start Date - 04.08.2006
Date Updated - 19.07.2010
Date Last Delinquent
Date Satisfied - 19.07.2010
Default Date - 26.05.2010

The monthly payment history shows :

2010
Jan - 1
Feb - 2
Mar - 3
Apr - 4
May - D
June -
July - S

I'm not sure that the payment history, detault date or settled markers are correct and would appreciate any assistance before I contact this company again (they have been less than helpful on previous occsions).

Many thanks

Comments

  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Default date should be changed to your BR date. 21.01.2010

    It's only a matter of a few months, but if it was correct the whole account would be off your file in less that a week.

    As it stands it won't all fall off until end of May.

    So.....

    - Write the letter in the sticky.

    - Copy the letter by email to whatever customer service/complaints email or online form you can find.

    - With the CRA that show the wrong date, enter a dispute via them as well.

    Do all of those 3 and you should have a fair chance of the company correcting it soon enough to make a difference.

    If not, it comes of in May anyway, no matter what happens.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Thank you very much for your help, I'll get onto it straight away :)
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