Clearing up CRA files a nightmare!!!!!

[callybags]

It's more than 4 years since I went bankrupt, have been discharged more than 3 years. Through advice I decided to clean up files.
I wrote to Barclaycard as they had two enteries which were incorrect, incorrect default date and also not marked as satisfied.
Well, a few weeks later they did the above all cleaned up, then a while later I received an 'alert' from Experian and Equifax to say there had been a change to my file?

Yes Barclaycard, had taken off the satisfied data and is now showing as default and owing, another company Legal Direct (Littlewood's) did the same. Well to be honest they totally removed the data and now it's back on I am so fed up with them, I have tried to get a new bank account a basic account, I have been declined twice. On my Experian file it shows as 'Discharged' but if these companies still haven't marked my files as satisfied, can this make a lot of difference? I mean I was told apply to Abbey and provided you have been discharged for a least 12 months you should be able to get a basic account!

Any advice on these matters most welcome.

[IdaInFife]

Have you contacted the Cra's?

I had to do that under the same circumstances and after 28days all was well.

You can get a basic account (cardcash account)with bank of scotland with visa electron facilty and the same for the cooperative bank.

Idax

[callybags]

Originally Posted by IdaInFife

Have you contacted the Cra's?

I had to do that under the same circumstances and after 28days all was well.

You can get a basic account (cardcash account)with bank of scotland with visa electron facilty and the same for the cooperative bank.

Idax

Do you think the files still showing unsatisfied makes a difference?
So with Bank of Scotland dio you have to take in your discharge papers?

Thanks

[citizenB]

Check out this link

http://www.consumeractiongroup.co.uk...commences.html

There is another one dealing with credit files. I will be back with the link in a minute.

[citizenB]

There you go,

http://www.consumeractiongroup.co.uk...ra-r-club.html

[IdaInFife]

my situation was i was with the TSB and to get my wages i had to go into the bank and they had phone another cretin so on etc. I went to the BOS and explained and they said that wouldn;' be a problem and opened an account there and then. just had to take letters with id's

[IdaInFife]

thanks for the link citizenb.


idax

[callybags]

I have credit expert at the moment, so is the view that CRA's pass on more details to banks etc we don't know about? Sorry to be a bit dim on this matter. If you do a s.a.r would there be much difference to what I see on my credit report?

[fermi]

You may as well just get on with reporting them to the Information Commissioner's Office.

See Post #3 of: Credit Reference File Clean-Up Post Bankruptcy

[callybags]

Thanks fermi think I'm going to have to go that route now they are just taking the you know what