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Dez
New Member
United Kingdom
87 Posts |
 Posted - 21 April 2011 : 21:17:30
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Hi everyone, I was declaired BR in Oct 2009 and discharged May 2010, today I got a 30 day trail on Equifax and I cannot really understand it? I phoned them but not understand what they said, but my credit rating is 242 very low and I see some of my creditors are still showing I owe them money? some have put settled too. How can I get this cleared as I want to go on contract for my mobile as it is cheaper than pay as you go I am on now.
Any help on this matter would be great and I hope you can understand what I am on about.
Thanks
Dez  |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 22 April 2011 : 07:31:18
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Hi,
Your BR will remain on your credit record until Oct 2014 which is six years. You can write to those creditors who are still showing that you owe them and tell them to mark the file as settled.
You're unlikely to be able to get a contract phone at the moment unless someone else can do it in their name. That's what I've just got my daughter to do.
Double, double toil and trouble;
Fire burn, and cauldron bubble.
Jan
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Dez
New Member
United Kingdom
87 Posts |
Posted - 22 April 2011 : 17:13:33
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Hi Jan
Thanks very much for your reply I will act upon your advice now.
Dez xx |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 22 April 2011 : 21:37:05
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Actually I can't count! It will be on your record until 2015.
Double, double toil and trouble;
Fire burn, and cauldron bubble.
Jan
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Dez
New Member
United Kingdom
87 Posts |
Posted - 23 April 2011 : 02:34:40
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Jan
Would it be worth me writing or calling equifax and telling them about my credit report?
Derek |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 23 April 2011 : 07:57:32
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I would check the other two agencies as well - Call Credit and Experian to see what they have recorded against you.
You'll need a copy of your discharge certificate before writing to either the agencies or the creditors. If you didn't print one off when you were discharged you will need to get one from court and this will cost you - last I heard it was £60.
Double, double toil and trouble;
Fire burn, and cauldron bubble.
Jan
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 23 April 2011 : 13:40:43
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You do need to check all three agencies unfortunately.
The cost of a certificate of discharge has now risen to £70.
Have a look at this link and there is some good advice here:
http://forums.moneysavingexpert.com/showthread.php?t=677875
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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Dez
New Member
United Kingdom
87 Posts |
Posted - 23 April 2011 : 16:52:15
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Many thanks to everyone for there help on this subject looks like I am going to be busy tonight
Dez |
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Topic |
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Credit Rating after BR
