Removing a debt relief order from my credit file?

LotsaLuck

Hi there,

I had a Debt Relief Order in September 2010, from which I was discharged in September 2011. Having researched this, I found that the DRO should be removed from my credit file "6 years from the commencement of the arrangement". My question is - is the 2010 date the 'commencement' of the arrangement, and if so, should the DRO disappear from my credit file shortly (September 2016) or do I need to 'do' something to get it taken off..? Anyone had any experience of this please?

Many thanks :beer:

National_Debtline

Hi

September 2010 is the commencement and you don’t need to do anything to remove the DRO. Your credit file shows 6 years of your credit history on a rolling basis, so it should come off by itself.

James
@natdebtline

LotsaLuck

Great news, thanks James

LotsaLuck

Hmm, so another question please..

Is there a date per month when the major credit reference agencies update your report? If the DRO is discharged on the 28th, how long must I wait until it disappears from my credit file?

National_Debtline

It might take another month to update and for you to actually be able to see that the DRO has come off. I don’t know if there are specific dates that the credit agencies update their reports but someone else may know.

James
@natdebtline