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?
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.
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
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.
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!
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).
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.
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?
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.
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.
Cleaning credit files
Posted - 18 February 2009 : 14:46:49
