I am in the process of checking my credit files and am finding that a creditor on say Experian shows as Satisfied/Settled, but on Equifax the same creditor shows as 'defaulted'. When the creditor updates their records should they advise all credit reference agencies or do I have to keep pestering the creditor to update all of them?
You will need to send details to the creditors (your completion letter) and tell them to remove the defaults.
Send the letter to the data controller.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
everything will be removed after six years from the default date as stated but be careful as one of the companies that took over two debts during the IVA reinstated two credit files that had been removed there months earlier and put partially settled marks on both a month after the IVA completed and everyone was notified. So i had to the contact equifax to have them removed ! sneaky beggars
Once the 6 year mark has passed and creditors have been sent your CC by your IP, if the defaults do not drop off then send the creditors a further copy of your CC and get them to amend their records accordingly.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
