sallymanton Forumite Posts: 64
Third Anniversary 10 Posts Name Dropper
I was issued my debt relief order Sept 2020 all has been well since,  clear. No debt no nothing. Just had a look at my credit score and it says I still have a default on there... this was part of my DRO. Please could someone advise how I can clear it after all this time, as I want to improve my score a little. I also still get statements from a debt that was also included, should I still get these 3 years on? 

Thanks 😆 


  • Brie
    Brie Forumite Posts: 7,364
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Do you have a copy of the DRO notice from 2020?  if so you could send that to the 2 companies and ask them to correct their records.  
    "Never retract, never explain, never apologise; get things done and let them howl.”

    2023 £1 a day  £553.26/365
  • sallymanton
    sallymanton Forumite Posts: 64
    Third Anniversary 10 Posts Name Dropper
    Yes I will have it somewhere,  we moved home since then but will of kept it. I will do that thanks 
  • sourcrates
    sourcrates Forumite, Ambassador Posts: 27,642
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just keep in mind that defaults stay on file for 6 years regardless of any debt solution you may use.

    It will be automatically removed on the 6th anniversary of the default date, or your DRO, whichever is the sooner.

    FYI, all accounts should show a default date no later than the start of your DRO, all accounts should show a zero balance, and should all be marked as either "settled" or "satisfied".

    They should only send statements whilst an account is live, with a remaining balance, your debts are now settled by insolvency, so there should be no correspondence about them, period.
    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 [email protected]. 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-letter
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