Nearly 6 years since BR...a question (or 2)

DesperatelyLost

Hi,

My BR 'should' drop off my credit file later this year

For a variety of reasons I've been a bit slack in checking/making sure my file is up to date.

I've signed up to a free trial with Equifax, and most of it appears to be correct, apart from a couple - details of 1 below.

Mortgage from ****** / XXXXXXXXXXXXXX
Name Mr ******* Date of Birth *****
Monthly Terms 0 @ £ *** Status Settled
Payment Frequency Monthly Current Balance £ 0
Start Balance £ 0 Credit Limit £ 0
Default / Delinquent Balance £ ***** Start Date **/**/2007
Date Updated **/10/2013 Date Last Delinquent
Date Satisfied **/10/2013 Default Date **/10/2012

If I was BR in October 2011, am I correct in thinking that the Default Date should be the date of my BR?

I have written to the companies involved, some of my details have been updated. One called me within a week of sending the letters to apologise.

Which date is the most important, the Default or Satisfied date? One entry shows Default Date as the date of my BR, but the Satisfied Date is the day I was discharged (this is on Equifax).

I've waited 8 weeks since sending the letters, I suppose now I have to contact the slacking ones again?

1 final question - Financial Associates - my ex wife is showing still, 'last updated **/**/2010' - will this entry be removed, or do I have to request removal, if so, who/how do I go about it?

Thanks in advance

Jamgeorge

Hi the default date should be the date you went bankrupt. If it was inc in the bankruptcy.

Yes you need to tell all 3 credit reference agencies to dis associate you self with the person

Jamgeorge

There are forms on the internet that you can use and post off like templates or once you get onto your credit does it should tell you how to do this once on the financial associate section

National_Debtline

Hi DesperatelyLost


For any debt included in your bankruptcy a default should be registered no later than the debt of your bankruptcy, but could be before then. The debt will be removed 6 years after the date of the default. It is correct that the debt is shown as satisfied on the date of your discharge as that is when your debt was written off and you no longer owed it.


As mentioned above, you'll need to request a financial disassociation from your ex partner with each of the credit reference agencies. This is assuming you no longer have any debts in joint names.


Best wishes


Susie
@natdebtline