Author Topic: Bankrupt and my credit report  (Read 46055 times)

HeadCandy

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Bankrupt and my credit report
« on: Feb 26, 2017, 11:30:17 AM »
Dear All
I have a couple of problems with my Expreian Cedit Report.
In background - i declared bankrupt in Oct 2010. I owed a variety of debts.
Now under my Experian report i have two areas of concern:
1. EE (Orange) - this is labelled as Up to Date and i owe £149
2. Nationwide Visa - labelled as a default, owing £0
My understanding was that as i have now passed 6 years of bankruptacy that these would be taken off my credit report. All my other debts are not listed.
Am i incorrect in this?
 
I have written twice to both organisations and asked if they would remove me. Firstly in Nov last year and again in early Jan 17.
Can anyone please advise on my next step in dealing with them? These 2 factors are holding down my credit report as i am now fully back on my feet, working and healthy once again.
Advice would be appreciated please.
 
Thank you
 
Steven
 

HeadCandy

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Re: Bankrupt and my credit report
« Reply #1 on: Mar 04, 2017, 03:51:27 PM »
Any replys please? Thoughts and suggestions would be appreciated. Thank you

Lisa Thomas

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Re: Bankrupt and my credit report
« Reply #2 on: Mar 10, 2017, 09:17:51 AM »
Hi - the defaults should be backdated to the date of the B/O and should have dropped off in October 2016.


Given they have not updated their records despite your requests you should write to the data controller at each company and demand that they update the records.


Send it via registered/recorded post and if no joy then complain to the ICO.



www.Nevilleco.co.uk 01752 786800

HeadCandy

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Re: Bankrupt and my credit report
« Reply #3 on: Mar 11, 2017, 01:52:34 PM »
Thank you very much - most informative and helpful. I will do this straight away.
Best regards
 
Steven
 

HeadCandy

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Re: Bankrupt and my credit report
« Reply #4 on: Apr 18, 2017, 10:45:30 AM »
I have good news to report! The Nationwide has dropped off my report and i have increased my credit rating by 323 points! I thank you for your help in this.
 
However EE have not removd the Orange account - its simply recorded as up to date.
 
Should i pay that £149 to get rid of it or can i push them harder. Should they just remove the debt in the same way as my other creditors have done?
 
Thank you for your help.
 
 

Lisa Thomas

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Re: Bankrupt and my credit report
« Reply #5 on: Apr 18, 2017, 10:52:57 AM »
You do not need to pay this debt - it was dealt with one way or another as part of your Bankruptcy.


You need to[size=100%] write by registered/recorded post to the data controller at EE/Orange and insist that the default is backdated to [/size]October[size=100%] 2010, so that it automatically drops off your credit record.[/size]
[size=100%]
[/size]
[size=100%]If no joy then escalate a complaint at the ICO.[/size]
[size=100%]
[/size]

www.Nevilleco.co.uk 01752 786800