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DRO and credit file
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Hi everyone
Just after some advice, my DRO ended on the 13th April 18
However when I look at my credit file they debts still say default they haven’t changed to settled will this happened on its own after my names taken off the register or will I have to ring or email them to get them to change it
Any help would be great
Thankyou in advance
Just after some advice, my DRO ended on the 13th April 18
However when I look at my credit file they debts still say default they haven’t changed to settled will this happened on its own after my names taken off the register or will I have to ring or email them to get them to change it
Any help would be great
Thankyou in advance
0
Comments
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Hi,
It is supposed to happen automatically, but some creditors are unaware of the procedure.
It can take a month or two to be updated, but if any particular creditors don’t update your file correctly, you should write and complain.
Look on the debt camel website for a template letter to send.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thankyou I!!!8217;ll have a look I!!!8217;m hoping to it change I!!!8217;m due a new one from Noddle in 12 days, just worried me as it says my DRO is discharged but it said my CCJ was still active0
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Best to take screen shots of your details on the insolvency register and of your DRO entry on your credit file, as some may ask for evidence.
Some creditors do not know the difference between a Debt relief order and debt management.
I had a lot of work to do myself to get my file updated correctly and still now, 9 months later two entries (both now subject to complaints) are yet to be marked as satisfied and closed.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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