Clearing up credit file

[Squawky]

Well, my six years ended mid March and I'm still trying to clear up my credit file.

I obtained all 3 agencies files on me at the beginning of last year and wrote to all the relevant creditors who had got the default and completion dates wrong.

The vast majority have been corrected but a few still remain wrong.

What is unbelievable is that when contacted they have told me they have all the relevant documentation but "don't understand" why the records have not been updated.

The worst of these is Barclaycard who have now had 3 sets of copies of the documents but the default date is still shown 4 months later than it should.

Can't wait for next month to see how many actually drop of the reports.

Oh well, onwards and upwards.

[Skippy]

If you are having problems getting the creditors to update your files you need to write to the Information Commissioner as they can force the creditors to comply.

[tonyranks]

the credit clearing sems to be the hardest bit...i thought paying the iva was...lol

[MrsKnight]

Good advice from skippy - hope you get it sorted, I think I'm dreading the part of clearing up mine & my husbands files. And Its seems I have the creditors that everyone has difficulties with!

Let us know how you get on x

[tonyranks]

its my time now for the cleaning bit, dreading it

[Shining]

I'm dreading that bit too but with the help of the forum I'm sure we'll get there. Look to the experts here for support they know their stuff. x

[tonyranks]

well its the forum that is helping me, just not sure what to actually type regarding the default dates to be set back to the iva agreed date, was looking for a template, but all I find is data controller ones...first I want to try CRA's

under which legislation, any ideas please would be helpful

[Kelly O]

Hi Tonyranks

This is something that comes up regularly.

This maybe helpful?

Dear Sirs

Re: Account Number xxxxxxxxxxx

After consultation with both the Information Commissioner and the Credit Reference Agencies, I am writing directly to you to request that you formally update my credit files in accordance with the Data Protection Act.

My IVA was completed on <Date on your completion certificate >, and <name of creditor> was included within my IVA. For your convenience I have attached a copy of my completion certificate.

Currently the information that you have recorded against my name with the Credit Reference Agencies is factually incorrect, and despite several written requests to your customer services , as yet your company has failed to correct the entries as required.

• It is requested that if you intend to default the account, the default entry must be no later than <Date your IVA was approved>, in accordance with the Data Protection Act.

• It is requested that you mark the account in some way as to indicate that it is settled or satisfied, in accordance with the Data Protection Act.

The Information Commissioner has indicated that I should allow you 28 calendar days from the date you receive this letter to comply, during this time you are requested either to update the Credit Reference Files correctly (of all three Credit Reference Agencies) or notify me in writing the reasons that you refuse to.

After the 28 days have elapsed the Information Commissioner has requested that I inform them if your company fails to update the records so that they may take any necessary enforcement action against your company.

I have copied the relevant information provided by the Information Commissioner as an attachment to this request.

Yours faithfully



AN OTHER

Enc:

IVA Completion certificate

[tonyranks]

thousand thanks, just what I was looking for....kisssssssss a big one, on the cheek though..lol

[Kelly O]

No problem

I hope you get it sorted out soon but if they dont within 28days you may want to write to the information commissioner for them to investigate.

[tonyranks]

going to lave it for a month, because the ip will contact them also and taks time to update credit file, i still have 7 months before 6 years whooopieeeeeee....7 months...amazing

[kazzafunk]

Great letter Kelly - consider it saved for my future use!![:)]

[TheMatrix]

That letter works brilliantly

[Tina Shortland]

She's great our Kelly - a very resourceful lady!

[tonyranks]

If you want to do this, you will have to write to the following address -
The Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Telephone no. 01625 545700
Fax no. 01625 524510
E-mail – mail@ico.gsi.gov.uk
When you write, you must give the following details -
• your full name and address
• our name and address
• details of the information you think is wrong, including -
why you think it is wrong,
why you think you are likely to suffer because it is wrong, and an indication of when you sent us your note of
correction.
It would be helpful to the Commissioner if you could include a copy of your note of correction.
Before deciding what to do, the Commissioner may ask us for our side of the story and send us a copy of your letter. In return, you will
be sent any comments we make.
The Commissioner can make any order they think fit when they have considered your appeal. For example, they can order us to accept
your note of correction and add it to our file.
If at any stage we fail to correct or remove wrong information, you can ask the Information Commissioner to check whether we are
meeting the requirements of the Data Protection Act 1998.

THOUGHT I WOULD JUST ADD THIS