Bankruptcy and credit file question

[eddiemc]

Dear all

 

I unfortunately went bankrupt in 2007, after checking my credit file it seems Mint and Welcome Finance think otherwise. My account with Mint is showing as defaulted and still in arrears as is my Welcome one.

 

The question is What should they say?

 

Thank you

 

Eddie

[BRIGADIER2JCS]

Were these included in the BR?

I presume you are discharged.

[rippedoff15]

All debts which are included in the BR should be removed and the only report is the BR details. if they were included contact the credit file refer to the BR and they should remove the details.

[eddiemc]

Thanks for your help.

 

I was discharged within 9 months and yes it was included in the bankruptcy.

 

After speaking to Equifax and Experian they tell me I have to take it up with the companies concerned who will then tell the three credit companies. Should be an old man when that happens.

[brokebutnotbeatn]

Write a Formal Complaint to the CRA company and demand they remove the inaccurate data. Brigs will be along I'm sure though with his suggestions.

[BRIGADIER2JCS]

Ok place a notice of dispute on all CRAs showing the data, then a formal complaint to the Data Controller at both companies as follows.

Same letter to both area marked xx fill in relevant details.

 

Ref:xxxxxxxxxxx

 

Formal Complaint.

 

 

Dear Sir or Madam,

 

I have recently checked my credit reference files held by xxxx & xxxx credit reference agencies and have found that xxx xxx account is still showing on these files despite being

subject to Bankruptsy on xxxxxxx and discharge on xx xx xxxx as you are well aware this entry in no longer pertinent and must be removed fortwith I now expect this entry to be removed.

 

Failure to remove said entry will result in a complaint to the Information Commissioners Office with out further refence to your company.

 

Send RD check receipt.

[mkb]

What happens if a creditor refuses to update to date of BR & insists on using date of discharge for CRA's ?

 

Every creditor on my file shows partial/satisfied as BR date except for Provident who insist they are correct to use discharge date so my file is trashed for 7 years post-BR, not 6

[BRIGADIER2JCS]

What happens if a creditor refuses to update to date of BR & insists on using date of discharge for CRA's ?

 

Every creditor on my file shows partial/satisfied as BR date except for Provident who insist they are correct to use discharge date so my file is trashed for 7 years post-BR, not 6

 

I've seen it reported both ways, may be worth a query to the ICO and/or the insolvency service.