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 Cleaning credit files
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bill88
Starting Member

United Kingdom
38 Posts

Posted - 18 February 2009 :  14:46:49  Show Profile  Reply with Quote
Hi

Does anyone know about cleaning there credit reports?
Apparently this helps with future credit, i.e mortgages etc?

I think theres 3 credit agencies, expierian and another 2?
Is this quite involved as to clean up your credit, im thinking i might do this with the CAB?

someone said wait 3months after discharge before attempting to clear up your credit report?

Niobe
Administrator



United Kingdom
4590 Posts

Posted - 18 February 2009 :  14:50:53  Show Profile  Reply with Quote
Your credit rating will be shot for 6 years from the date of your BR, so no point doing anything yet.

You can help yourself now by keeping your bank account ok, mortgage/rent payments up to date and mobile phone contract (if you have one)up to date.

The glimmer gets brighter all the time

Jan
xx
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Skippy
forum expert



United Kingdom
3290 Posts

Posted - 18 February 2009 :  15:00:51  Show Profile  Reply with Quote
Jan is right that your credit files will be shot for 6 years. I wrote to my creditors asking them to make all defaults no later than the date of my BR so that they will drop off the file at the same time. I also asked them to mark my file satisfied or partially satisfied - I'm not sure what difference that makes, but they all agreed to it except Tesco!

Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

20 IPA payments made, 16 to go - on the home straight!
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bill88
Starting Member

United Kingdom
38 Posts

Posted - 18 February 2009 :  15:07:08  Show Profile  Reply with Quote
i had a loan with tescos!

Im not sure whats involved in cleaning up reports etc...
how long would you suggest to wait?

I opened an abbey a week before i went to court, and asked for a basic account, no chip and pin no overdraft etc, so its a basic basic cash card.

I would prefer a chip and pin (current account)
Do you think the bank will upgrade my card or account after discharge?

I ask this because i have to use the cash machines now all the time and unfortunatley for me about 2 months ago some1 miles away from me used my card (Cloned) and withdrew my money and it took me7 weeks to get back!
I dont really want to use the cash machines now if i can, so wud prefer chip and pin because i can use it in shops etc

I just dont know if the bank will upgrade my account??????

I dont want an overdraft just a card i can use in the shops without going to cashpoints all the time
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Skippy
forum expert



United Kingdom
3290 Posts

Posted - 18 February 2009 :  15:10:47  Show Profile  Reply with Quote
Have they tried telling you that they don't recognise BR?!?! That's what they told me!

To be honest I don't think that the bank will upgrade your account. You can always ask and you may be lucky, but I think most of them want the BR to have dropped off your file before they will do this.

Were the Co-op one of your creditors? If not it might be worth you opening a Cashminder account. It is the most BR friendly account out there, and you get a Visa Electron card with chip and pin. You could also try Barclays as I understand that their basic account now comes with a Connect card.

Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

20 IPA payments made, 16 to go - on the home straight!
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 18 February 2009 :  15:17:42  Show Profile  Reply with Quote
You could always try a prepaid card as well for purchases, they are usually chip and pin.

Be careful though as some carry a hefty monthly charge.

The glimmer gets brighter all the time

Jan
xx
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bill88
Starting Member

United Kingdom
38 Posts

Posted - 18 February 2009 :  15:30:40  Show Profile  Reply with Quote
to be honest skippy i havent heard anything from any of my creditors since i filed, last april (07)
apart from virgin
Virgin were a pain in the neck!! the things they did to me! but they dont bother me anymore,

im just waiting to be discharged at the end of march 08

Co-op wasnt one of my creditors
have you got there website??

do you have to pay a monthly charge?

I did a couple of months back (whilst i was going through my stolen money with Abbey) try opening a HSBC account but i rang them and explained my situation and they said they wouldnt allow me to have an account.
Maybe if i try barclays? go in there and wait for them to ask me if ive ever been made BR without me telling them?
would be so much easier having a chip and pin.

I know BR hasve there downsides but im SO SO much better off now than i was.
I would never of been able to pay my debt bk, and although i felt guilty at the time (About not paying it all back) i think now im paying for it, i guess we all are but its a great weight lifted of our shoulders!
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 18 February 2009 :  15:39:58  Show Profile  Reply with Quote
With the Co-op you have to apply either by phone or in a branch.

HSBC and First Direct won't touch anyone who is insolvent. Barclays I am not sure about. I have an IVA and they are a creditor but I still have the account open (no money in there though).

The glimmer gets brighter all the time

Jan
xx
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Skippy
forum expert



United Kingdom
3290 Posts

Posted - 18 February 2009 :  15:40:46  Show Profile  Reply with Quote
http://www.co-operativebank.co.uk/servlet/Satellite/1193206375355,CFSweb/Page/Bank

You can't open the Cashminder online, but it can be done on the phone. There is no monthly charge for the account and you can withdraw or pay in money at the Post Office as well as in a branch. The customer service is excellent as well, and when I had the account I didn't feel I needed a branch.

Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

20 IPA payments made, 16 to go - on the home straight!
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bill88
Starting Member

United Kingdom
38 Posts

Posted - 18 February 2009 :  15:45:46  Show Profile  Reply with Quote
i just tried barclays

they wont let me because im BR!

I think the Co-Op sounds good though i just had a look at it and the cashminder account sounds good,
It says it allows you to use chip and pin, its a visa electron.

Is electron very limited or do most places support electron now?
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Skippy
forum expert



United Kingdom
3290 Posts

Posted - 18 February 2009 :  15:53:33  Show Profile  Reply with Quote
I didn't have too many problems with Electron

Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

20 IPA payments made, 16 to go - on the home straight!
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bill88
Starting Member

United Kingdom
38 Posts

Posted - 18 February 2009 :  16:15:06  Show Profile  Reply with Quote
is that wat u use now
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Skippy
forum expert



United Kingdom
3290 Posts

Posted - 18 February 2009 :  16:28:41  Show Profile  Reply with Quote
I'm with Nationwide now, but only because I had a full account with them from before my BR. They weren't one of my creditors and the OR didn't have any interest so I asked if they would send me a card which they did.

I was more than happy with the Co-op though, and if Nationwide hadn't allowed me to use the account it wouldn't have bothered me.

Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

20 IPA payments made, 16 to go - on the home straight!
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jurgenpie
Starting Member



United Kingdom
30 Posts

Posted - 18 February 2009 :  20:12:18  Show Profile  Reply with Quote
The Co-Op was one of my creditors but it didn't affect me having a cashminder account with debit card (electron) and internet banking.




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bill88
Starting Member

United Kingdom
38 Posts

Posted - 19 February 2009 :  10:07:27  Show Profile  Reply with Quote
i looked on the web lastnight about the cashminder account with Co-op and expecially the electron debit card, the reviews were very very bad!

most places dont except electron, so i think it wud still basically like a cash card, im desperate for a chip and pin!
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Skippy
forum expert



United Kingdom
3290 Posts

Posted - 19 February 2009 :  10:20:54  Show Profile  Reply with Quote
I never had that problem, I found that Electron is accepted nearly everywhere. I still use the account for my housekeeping and the card has never been refused in any shop.

The only places that I had a problem with are pay at the pump petrol stations, M & S website and Tesco online. I've also used it in places where is doesn't say Electron is accepted.

Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.

View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/

20 IPA payments made, 16 to go - on the home straight!
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