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T O P I C R E V I E W
twizler888
Posted - 19 September 2010 : 17:43:26 Hi All
First post but a regular viewer. A lot of my previous queries have been answered by searching other posts in the forum. To paint the picture I was discharged from bankruptcy in July 2010 and up to now everything has gone very smooth. I was previously in an IVA but found it difficult to meet the payments.
I have a few questions about the credit report clean up. A few weeks ago i sent of the letters to my creditors by recorded delivery. This morning i had 2 responses.
1. Lloyds TSB
Response - Upon customer request and with evidence of completion of discharge from bankruptcy Lloyds will arrange for the credit files to be updated to show partially satisfied/zero balance.
On my credit report the above has been changed but there is still a red default next to the creditor. Is this correct or should it say partially satisfied in green?. The actual information shows a zero balance now.
2. Nationwide
I received no response to my request to change details on my credit report but instead received a default notice. It basically says i am in arrears and if i don't pay they may commence legal action. This debt was included in my bankruptcy so I think this was more of a computer generated latter to satisfy the closure of the account. Do you think this is the case or do i need to respond to Nationwide?
Has anyone else received a notice of default after discharge from bankruptcy?
Do you think it was computer generated and will they now start the process of updating my details?
3. Experian
I only have my Experian report as i am tackling them on by one. I find it strange that nothing is recorded on my report showing bankruptcy. Under the public information section i have a section on my IVA but no mention of bankruptcy. Is this normal?
I hope you can help with my questions and apologies for the amount in this post
Thank you in advance
Michael
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Richard P
Posted - 20 September 2010 : 11:53:32 Hi Twizzler
welcome to posting a thread, its not that bad is it !
it also shows that their is life after being BR !
also look at equifax web site as some of the finance houses register debts at that location.
good luck with credit file keep us posted as they change the rules and process on a regular basis
