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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by debtrider[/i] [br]I was discharged from bankruptcy In October 2009. I decided in february to join Experian to see my credit report and it still shows outstanding balances with some of my creditors. I understand that the default will stay there for 6 years, but should it show as satisfied rather than an outstanding balance. Some of the creditors show as satisfied some not. I have phoned Experian a few times over the last few months to cancel my subscription and they persuaded me to stay with and said they would do something about this situation but nothing as changed.They even refunded one months subscription last month because nothing had happened. I phoned experian again this morning to cancel my subscription and the lady said the I need a discharge letter to send to my creditors to make them aware of my discharge. I do not altogether disagree with this suggestion. What she also said was if I did not do this then the creditors with the outstanding balance could send me CCJ's after 6 years to recover the money, is this right?, I did get a little annoyed with this lady when she said this because I thought she was wrong. First thing is all my creditors know the I was bankrupt. So why have some of them against the defaults say satisfied and some of them still showing an outstanding balance. If you ask me these creditors still showing and outstanding balance are just being a nuisance, and I wonder whether getting a discharge certificate and sending it to them will make any difference. I am reluctant to have to pay for a discharge certificate if it serves no purpose. I also see no point of paying for a monthly subscription to experian, if it's not going to make any difference to my credit report. So just to repeat myself can the creditors still showing an outstanding balance and were included in my bankrupcty, still chase me for money in time to come?. I am still recieving statements from bank of scotland showing an outstanding balance, why are they doing this?. I thought all debts included the bankrupcty were cleared and you could start afresh again. I am wondering whether this is correct? debtrider [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.