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. 


  • edited 6 May 2022 at 4:57PM
    sourcratessourcrates Forumite
    26.6K Posts
    Part of the Furniture 10,000 Posts Name Dropper 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 ?
    Ex MSE Board Guide.

    More than a third of IVA`s fail....fact.
    Could A Debt Relief Order help you ?
    Never pay a fee for a Debt Management Plan.
    For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
Sign In or Register to comment.
Latest MSE News and Guides

British Gas prepay meter users... pay less for gas from 1 April

MSE News

The 'odd Easter flavours' thread 2023

What bizarre food stuffs have you spied?

MSE Forum

Energy Price Guarantee calculator

How much you'll likely pay from April

MSE Tools