Not an exact science, Amerififer. From what others have reported on here I think you will find that some creditors will be fairly quick to update the file and others may take several weeks, or possibly not at all unless you chase them up.

I'd agree with Kevin on this Amerififer.

I guess it comes down to how important your credit rating is to you:

The sooner you start the more work you're likely to have to do - some of which would have been unnecessary if you'd waited a bit longer.

The sooner you start the sooner you're likely to get the outcome you want - a fully updated credit file.

Effort versus reward I guess!

I'm resurrecting this thread as my query is related to it. 🙂 I am thinking of chasing up the two creditors who haven't shown my debts as satisfied and still show up as defaults..
My query is...
Who do i chase up? the original lenders the debt was with or the reporting agency ie: callcredit and equifax ????
Ta

Hi Amerififer.

Chase the lender - they need to re-report accurate information to the credit reference agencies.

Ta TDA that was my gut instinct too. Just wanted to check 🙂

Good luck with it Amerififer. Please let us know if we can help any further as you "encourage" them to put these matters right.

How many creditors did this without any prompting from you?

The two that were the most of my debt.. Bank of Scotland and Capital One.. will have to start working on it .. when i'm off during normal business hours next week.. Thanks for the good luck wishes.. Have a feeling i'll need it rofl.. Worse comes to worse and it should come off Sept 2016 .. 🙂