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bill88
Starting Member
United Kingdom
38 Posts |
 Posted - 17 July 2009 : 09:24:02
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hi guys
ive been discharged from bankruptcy for 3 months now nearly 4 and i recently applied to see my credit report,
once i got it online theres nothing on my file that says i was made bankrupt!
it has all my old address and my bank account details on it but no mention of my bankruptcy and creditors?!!!
does any1 know why or wat ui need to do to update it>? |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 17 July 2009 : 09:29:20
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There are 3 credit agencies (Equifax, Experian and CallCredit), did you get the report from all three or did you get it from a different agency?
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 17 July 2009 : 09:51:41
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I use the free one, Annual Credit Report, so it's possible that he has used that one.
It is best to write to all three and get a copy from all of them.
The glimmer gets brighter all the time
Jan
xx |
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gettingoutofdebt
forum expert
2418 Posts |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 17 July 2009 : 10:26:06
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If you go onto the IVA forum and look at Skippy's blog on there, she has a template letter for sending off.
I'll ask her to put it on her blog on here.
The glimmer gets brighter all the time
Jan
xx |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 17 July 2009 : 10:35:38
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Done!
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/
24 IPA payments made, 12 to go - on the home straight! |
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bill88
Starting Member
United Kingdom
38 Posts |
Posted - 17 July 2009 : 11:00:47
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yes guys
it was from annualcredit report
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 17 July 2009 : 11:28:52
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That's not the most accurate report so it's best to use it as a guide. If you really want to write to your creditors you need to order the 3 main ones as not all of your creditors will report to all 3 agencies.
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/
24 IPA payments made, 12 to go - on the home straight! |
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bill88
Starting Member
United Kingdom
38 Posts |
Posted - 17 July 2009 : 11:35:27
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oh ok cool i didnt know that
is it hard to update?? do i need to cab or some1 to help me do it and how long and invloved is it? |
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gettingoutofdebt
forum expert
2418 Posts |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 17 July 2009 : 12:02:25
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You need to order your record from the three agencies that gettingoutofdebt mentioned. They are the most accurate.
I believe it will cost you £2 a time to get an up to date record of your credit details.
The glimmer gets brighter all the time
Jan
xx |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 17 July 2009 : 12:04:10
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Check Skippy's blog out for the template letter.
The glimmer gets brighter all the time
Jan
xx |
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bill88
Starting Member
United Kingdom
38 Posts |
Posted - 18 July 2009 : 13:01:14
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hi thanks
skippy for uploading the relevant info.
i dont understand though what the Data Control Officer
This Creditor
Data Controller Address
means??
im really not too sure how to go about this, i have applied for my reports from the 3 agencies yesturday and i understand the letter skippy loaded up for me, obviously i fill in the blanks, then send them off to all my creditors but i dont know what the above means?
can any1 help me with it please :-) |
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bill88
Starting Member
United Kingdom
38 Posts |
Posted - 18 July 2009 : 13:03:15
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oh and another thing
i was discharged on april the 10th 09 but ive never recieved a letter confirming this. i was told by my O/R if i wanted one id have to pay the court to supply me with one,
would i need this to attach to the letters i send off asking my creditors to update my files, im not even sure how much the letter from the court would cost?? |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 18 July 2009 : 13:19:58
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Did you print off the page from the insolvency register showing that you are discharged? That was all I sent with my letters and it was accepted.
If you didn't you will unfortunately need to buy the certificate from the court as you won't be able to do it now as the entry only stays on there for 3 months.
Regarding the Data Controller, this is the person who you need to write to for each of your creditors. You can find the address using this link - http://www.ico.gov.uk/ESDWebPages/search.asp
Enter the name of your creditor and it should bring up the address. You should also be able to get the address by phoning customer services, but I didn't fancy speaking to my creditors and luckily found them online!
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/
24 IPA payments made, 12 to go - on the home straight! |
Edited by - Skippy on 18 July 2009 13:22:32 |
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bill88
Starting Member
United Kingdom
38 Posts |
Posted - 18 July 2009 : 13:33:33
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hi skippy
i didnt know about the register thing until u mentioned it now, ive just had a look and i couldnt find myself on it.
theres no way or searching beyond 3 months?
does anyon know how much it will cost me to get a letter?
sorry to be a pain skippy but on the ico website wat does all the following mean :-s
Registration Number
Name
Address
Postcode
Organisation sub-division |
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Topic |
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credit report
