Bankruptcy Credit Reference File Clean Up

A question about : Bankruptcy Credit Reference File Clean Up

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• Can you send the letter without account no. can't remember. Only put the bankructy no. is it ok
• I was discharged from bankruptcy 15 August 2007. After receiving all my credit reports which appeared to be OK (other than B/R) I applied to open basic account (no credit facility) with Abbey where I am STILL paying my wages into a savings account. The application was rejected. After speaking with Experian, they told me there were further discrepanicies with my old address. Lloyds Bank still showed in default AFTER my bankruptcy date.After speaking with the O/R they told me there was nothing I could do as Lloyds never received a penny from my bankruptcy.Thank you so much for the details you have provided me. I have since contacted the Data Controller at Lloyds and have now escalated to the Information Commissioner's as I have had no response in well over a month.I can't tell you how much I appreciate this website and the information it provides. I have had a very lonely time of it and never really known where to turn. My ex partner (who's fault it is I am bankrupt) has vanished off the face of the earth - thank goodness.The National Debtline have also been a Godsend.
• Does the information in the pinned/closed thread on credit file cleanup all apply equally to Scotland?
• I just got my credit reports from Experian and Equifax. The Experian one is fine, my bankruptcy is there with the discharge date, but on the Equifax one the Satisfied Date field, which I suppose should have the discharge date, is empty. I don't have documentation proving I was discharged then, but it is the normal date (3 years after the declaration, I live in Scotland). Can I just write and tell them this or do I need to do something else to support it?
  Also, there are several entries in the Equifax report as "(Debt) collection activity" from 2002 and 2003, naming a collection agency, before the bankruptcy. Experian doesn't have any of these. Is that normal? Can I do anything about it?
• OK I need some help on this one. I have read all the post on the other link but I'm some what confused.
  Having cleaned up most of my files, one comany Egg are playing hard to get. They have written back saying:
  Having reviewed your file bla bla bla.....we would like to clarify these points:
  1. Egg cannot list the default date as 5th October 2007 (my BR date). This may have been the date of your BR was filed, but it was not the date on which Egg was informed. The default dates listed is 18 October 2007 because this is the date on which your Egg Card account was terninated.
  2. Your Egg card account shows as a partial settlement because Egg has written off part of the balance. In order for a full settlement to be listed, the full balanace would need to be paid.
  3. The infomation listed with the credit agencies is correct.
  " I am unable to uphold your complaint"
  Sorry.....for the longish post but before I go into step 2, does anyone know if they are correct or incorrect in what they say?
  So far all other companies have changed my files to show my BR date and marked as "settled".
  Many Thanks
• Thanks fermi.......I will get it changed via the step 2 route.
  Many Thanks
• Hello,
  I've just found out I need to clean up my credit report.
  I was discharged on August 25th 2007 and having looked at my report today I can see that all my debtors listed in my B/R at still showing as default.
  Looking at the information in the thread this means I need to write to them, using the template provided, and ask them to update their records? Is that correct?
  I have called the OR and asked for a letter stating that I am discharged which they were happy to send out FOC.
  Thanks for the help with this guys.
• That's fine, every little helps as the saying goes.
  Egg and Captial ones say satisfied, Nationwide, Nationwide Trust, HSBC and Tesco Personal Finance still have an outstanding balance.
  All of the dates fall before my discharge, some before the BR and some after.
• OK smashing, thanks for that.
  The OR are sending me a letter confirming my discharge, but I'm not sure I have anything saying about the original BR it's been that long since it all started. Who would I get that from?
• At court you should have been given a copy of the bankruptcy order.
  That is Form 6.30, and should be titled "Bankruptcy Order on Debtor's Petition" (assuming that you did it yourself).
  If you don't have a copy of that, then I think you should contact the court that dealt with the bankruptcy to get one.
• In that case I'm sure I do in my papers at home. It's been so long I don't remember. I will look tonight.
  Thanks again
• See next post, double posted.
• Just looking for some advice.
  Do I need to send for a credit report from Experian, Callcredit and Equifax and if so is that the only ones.
  Experian is offering a 30 day free trail is there any catches to this?
  How much are Credit reports from each of them, Equifax is stating approx Ј13 is that correct?
  Will probably think of more to ask later. Thanks.
• Yep you'll need to see all three really...some update some dont some information may be missing from one and not another and so on
  no catch with experian...just remember to cancel within the 30days They hope you forget then start billing! (its a little difficult to cancel as well i've heard from some people..I used though & had no probs)..I went for paper versions in the end though because I could take my time with any ammendments & needed no rush
• The correct cost for the report with no extras is £2. You might need to root around the websites to find that option, but it's there.
• Experian: Go to https://www.experian.co.uk and click the link which says "Order your Ј2 credit report" (https://www.experian.co.uk/consumer/orderPaperReport.html). You can then either order it online, by phone or by printiong out the application form and posting it in.
  Equifax: Go to https://www.equifax.co.uk, Click the link for "Refused Credit? Find out why." then click on "Ј2 Statutory Credit Report" (bottom right hand of the screen), then clickon the link to print the form and send to the address at the bottom of the page.
  Callcredit: Go to https://www.callcredit.co.uk and click on "Order your statutory report"; and as above click the link to open the form, print and send off.