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Cleaning up my credit file
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tonymcp86
Posts: 49 Forumite

Hi all
So I was discharged from Bankruptcy on 1st July 2020.
Looking at my Experian credit file, all my previous debtors are listed as closed accounts but have listed the current status as 'DEFAULT/ENDED'. In the main, the dates used for Accounts settled is also no later than the date my BKT started so fine with that element.
But should I be contacting the former debtors to amend the DEFAULT/ENDED part to SETTLED now or is this a normal line used?
I've put below what is detailed for my previous current account:
So I was discharged from Bankruptcy on 1st July 2020.
Looking at my Experian credit file, all my previous debtors are listed as closed accounts but have listed the current status as 'DEFAULT/ENDED'. In the main, the dates used for Accounts settled is also no later than the date my BKT started so fine with that element.
But should I be contacting the former debtors to amend the DEFAULT/ENDED part to SETTLED now or is this a normal line used?
I've put below what is detailed for my previous current account:
Details of Account
Account
HSBC BRANCH BANKING Info
TypeCurrent Account
Account started20/02/2001
Current StatusDefault / Ended
Credit Limit
-
Balance£743.00 credit in use
Entry codeC5
Account Settled01/07/2019
0
Comments
-
The accounts will remain detaulted but once you've written to them they'll amend the balances to £0.
The account you've copied above shows £743 credit in use. This will change to £0 when you've written to them with proof of discharge asking for amedment of your credit file.0
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