Help/advice regarding end of DRO

autumswifty95

Hi, so in 3 days my debt relief order will end - I understand this stays on my credit file for 6 years which is fine, I had an extremely bad time with my mental health over the last 2 years and didn’t see anywhere out. 

I use clear score to look at my credit file and all my accounts from creditors are in default, yet I have one with PayPal and 2 with creation that just say in arrears - so it’s shows as missed payments every month. Does this stop after my DRO has ended? As I’m presuming it should be wiped off? 

I also can’t see the dates when my other accounts were in default. 

Is there anything I need to do? I have had a lot of anxiety over this as I’m not sure what I need to  or how to word things so they understand? 

Any help appreciated thankyou 

fatbelly

You can do a clean-up if you wish. How important that is depends on whether you want to use credit again

https://debtcamel.co.uk/repair-credit-record-dro/

Explains

Brie

You should have been told to ensure you keep your DRO paperwork safe as it will show the debts that were included.  If any of those contact you all you need to do is send them a copy of the paperwork and tell them to get lost (politely).  

As time goes by your credit history will have these defaults etc further and further into the past until they drop off so nothing to worry about.