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DRO hangover Credit score Accounts in arrears??
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Hi, I hope I explain this right.
I had a DRO in 2013 and have two accounts in still marked as being in arrears, but in my SETTLED ACCOUNTS on my credit score.
One is an old Barclay account with £2359 which Status: DEFAULT February 2014
The second is a Barclaycard Status: DEFAULT September 2017 and a balance of £2150 on it
My other debts:
MBNA is £0 Status: Settled in 2015
Tesco £0 Status: Settled August 2016
All four come in my SETTLED ACCOUNTS file
My credit score is being damaged by the two Barclay ones 'Whats holding you back' section . Is there anything I can do?
I had a DRO in 2013 and have two accounts in still marked as being in arrears, but in my SETTLED ACCOUNTS on my credit score.
One is an old Barclay account with £2359 which Status: DEFAULT February 2014
The second is a Barclaycard Status: DEFAULT September 2017 and a balance of £2150 on it
My other debts:
MBNA is £0 Status: Settled in 2015
Tesco £0 Status: Settled August 2016
All four come in my SETTLED ACCOUNTS file
My credit score is being damaged by the two Barclay ones 'Whats holding you back' section . Is there anything I can do?
0
Comments
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firstly, ignore the score, no lenders can see it
were both barclay accounts included in the DRO? if so, the defaults will drop off after 6 years from date of first default. The DRO will drop off in 2019 after the 6 years is up as well0 -
After a DRO has ended, all included accounts should be marked as settled or closed, with a zero balance.
Any default date must be either the start date of the DRO or earlier.
If they are marked any other way, written complaint would be my choice.
Escalate to the ICO if necessary.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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