I wrote to Lloyds stating that I have obtained a copy of my credit file from Callcredit Ltd and have noticed that for 2 items that I had with them, they are still showing as having an outstanding balance whilst everything else on my credit file has a termination balance of zero. Lloyds wrote back saying they will arrange for credit files to be update to show partially-satisfied/zero balance. Stating that the bank marks the acc ‘satisfied’ ONLY when the debt has been repaid in full under the insolvency. Do I take it that the bankruptcy did not pay off the amounts in full? Why is this? And what can I do to have it made ‘satisfied’ or does this not matter? I have emailed the Insolvency people, when I rang them I was told it was up to me to sort it out ?
It is fine for them to mark the file as partly satisfied, that date should not be later than your discharge date, The default date should be no later than your bankruptcy date, if both of the above take place then it will fall off your credit file 6 years from the default date
It is fine for them to mark the file as partly satisfied, that date should not be later than your discharge date, The default date should be no later than your bankruptcy date, if both of the above take place then it will fall off your credit file 6 years from the default date
What can I do to correct creditor entry on my credit report ?
Posted - 09 August 2012 : 23:10:07
