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
Credit Report clean up followed by default notice
Posted - 19 September 2010 : 17:43:26
