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Credit file cleanup - balances still shown but account closed
dd32d
Posts: 24 Forumite
Just checked my credit score/file with Clear Score (who I also find to not show all of my creditors).
I was discharged from BR a couple of months ago and having checked my file for the first time since BR, a lot of my account still show a balance, but ALL of them are shown as closed.
Is this right?
For example:
Creation Consumer Finance - Closed - Balance: £8317
Should that balance be £0 as I was bankrupt? Or is it still left as a balance, but just closed?
Out of the 8 or 9 creditors shown, half still have balances.
I was discharged from BR a couple of months ago and having checked my file for the first time since BR, a lot of my account still show a balance, but ALL of them are shown as closed.
Is this right?
For example:
Creation Consumer Finance - Closed - Balance: £8317
Should that balance be £0 as I was bankrupt? Or is it still left as a balance, but just closed?
Out of the 8 or 9 creditors shown, half still have balances.
0
Comments
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Hard to say without seeing the entries themselves, but after discharge the main status should show as satisfied with or without a partial settlement marker on top of that.
Balances in status history may show something else, but are not critical.
Point is that it should show that nothing is now owed on the account.
CRAs are constantly fiddling with how they present account data to the consumer though, so as said I can't 100% say without a screenshot of the entry.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
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