Debt relief order and it still not over after 2 years.

I'm not sure what to do. I had a debt relief order that was fully discharged at the end of last year. Still, I have many of my creditors adding defaults to my credit file. I don't understand how this is even legal, they know I had one as non of them is chasing me for the money anymore. I haven't the mind set to deal with it, I used stepchange to do the order for me. I'm in poor health with out the added stress of dealing with something that should be all over. 


  • sourcrates
    sourcrates Posts: 28,802 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    edited 6 May 2022 at 4:57PM
    What do you mean by "adding defaults to my credit file" ?

    Are you referring to the monthly status updates ? 

    Because defaults will show on your credit file for 6 years, regardless of your DRO.

    All your accounts should show as either settled, or satisfied, any defaults should be dated prior to your DRO start date, and the balance on each account should show as zero, meaning nothing is owing.

    Six years from the date the default`s were first registered, they will all be automatically deleted from your credit file, they will continue to show as "in default" until that date.

    Is that your issue ?
    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 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- The "provit letter" is here-
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