Bankruptcy hasn't removed all accounts

lumy

Hi :-)


I filed for bankruptcy a year ago and it has just been discharged, so I thought I'd see what my credit report looks like now!


There are a few things I find strange, but for starters, there are 3 accounts with Lowell that still show as active - 1 with payments being 6 months overdue and the others showing as OK in the monthly payments details. Shouldn't all these accounts be moved into the defaulted section following the bankruptcy and should I contact Lowell, the OR or the credit reference agencies?



Many thanks

[Deleted User]

Contact Lowell and confirm with them.

Willing2Learn

Hi lumy and welcome to the forum


The two links below give comprehensive guidance on how to tidy up your credit file post bankruptcy
https://debtcamel.co.uk/credit-file-after-bankruptcy/
and
Credit Reference File Clean Up Post Bankruptcy

sourcrates

They should all show a zero balance, and be marked as settled, or satisfied.
All default dates should show the date of your bankrupcy, or earlier.


Any that dont, send a written complaint to the data controller at the company concerned, creditors always fudge this bit, as they are not always au fair with the guidence.


ICO would be your next step if they dont comply.

lumy

Thanks for the details - I'll get on to Lowell