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  • FIRST POST
    • Sam090884
    • By Sam090884 16th May 18, 10:23 PM
    • 19Posts
    • 1Thanks
    Sam090884
    DRO and credit file
    • #1
    • 16th May 18, 10:23 PM
    DRO and credit file 16th May 18 at 10:23 PM
    Hi everyone

    Just after some advice, my DRO ended on the 13th April 18
    However when I look at my credit file they debts still say default they havenít changed to settled will this happened on its own after my names taken off the register or will I have to ring or email them to get them to change it
    Any help would be great
    Thankyou in advance
Page 1
    • sourcrates
    • By sourcrates 16th May 18, 10:47 PM
    • 14,018 Posts
    • 13,276 Thanks
    sourcrates
    • #2
    • 16th May 18, 10:47 PM
    • #2
    • 16th May 18, 10:47 PM
    Hi,

    It is supposed to happen automatically, but some creditors are unaware of the procedure.

    It can take a month or two to be updated, but if any particular creditors donít update your file correctly, you should write and complain.

    Look on the debt camel website for a template letter to send.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • Sam090884
    • By Sam090884 16th May 18, 10:52 PM
    • 19 Posts
    • 1 Thanks
    Sam090884
    • #3
    • 16th May 18, 10:52 PM
    • #3
    • 16th May 18, 10:52 PM
    Thankyou I!!!8217;ll have a look I!!!8217;m hoping to it change I!!!8217;m due a new one from Noddle in 12 days, just worried me as it says my DRO is discharged but it said my CCJ was still active
    • sourcrates
    • By sourcrates 16th May 18, 11:04 PM
    • 14,018 Posts
    • 13,276 Thanks
    sourcrates
    • #4
    • 16th May 18, 11:04 PM
    • #4
    • 16th May 18, 11:04 PM
    Best to take screen shots of your details on the insolvency register and of your DRO entry on your credit file, as some may ask for evidence.

    Some creditors do not know the difference between a Debt relief order and debt management.

    I had a lot of work to do myself to get my file updated correctly and still now, 9 months later two entries (both now subject to complaints) are yet to be marked as satisfied and closed.
    Last edited by sourcrates; 16-05-2018 at 11:08 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
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