| T O P I C R E V I E W |
| Bear171 |
Posted - 26 May 2010 : 20:04:59
Hope someone can offer some advice.
I was discharged in December 2009. I recently got my credit report and 2 of the creditors in my BR are still showing as balances owed. Experian have contacted them but so far only 1 has responded saying that they are unable to "amend/delete the entry in question at the current time".
They want me to contact them direct with my discharge certificate.
Can they keep this entry as me owing them money for the full 6 years?
I made the difficult decision to go BR to clear my debts as I was redundant so this is defeating the object isn't it???
I had hoped to get a small cc with Vanquis to start to rebuilding my credit score. They have refused me because of this.
Bit confused as to what to do next.
Thanks
H |
| 5 L A T E S T R E P L I E S (Newest First) |
| RHB |
Posted - 27 May 2010 : 07:35:12
Maybe send them a copy of your certificate of discharge as requested???? That would be my first step. |
| Bear171 |
Posted - 26 May 2010 : 20:49:14
Fab. Thank you. Will sort out my letters tomorrow & see what happens. |
| debtinfo |
Posted - 26 May 2010 : 20:41:17
Information commisioners office, the rehulate how information about you is kept and used. Based on the Data protection act and the Freedom of information act |
| Bear171 |
Posted - 26 May 2010 : 20:31:23
Thanks. Had a quick lookie. So, if my former creditor doesn't update my file to say the current balance is satisfied then I can complain to the ICO?
Who are the ICO??? |
| debtinfo |
Posted - 26 May 2010 : 20:11:11
lots of advice here
http://forums.moneysavingexpert.com/showthread.php?t=677875 |
