Hi graham, it should be 6 years from the date of bankruptcy.

Thanks Kevin[:)][:)]

Make sure your file is correct check the dates etc. Clearscore is free(equifax) Noddle is free (Call Credit) and Experian 30 day free trial or £2 to order a statuory report and you can try Checkmyfile which covers all of them 30 day free trial. If there are issues you can do what I just posted on another thread see below.

This did the job for me you just need to keep an eye on it to make sure they make the correct, corrections never had a problem they all updated very quickly (few days to a week or so. Everything will come off 6 years after you signed so make sure the first default date is the same as signing date so it all comes off at the sametime. Some companies will mark defaults all the way up to discharge, don't worry about that it will still fall after 6 years but is should still be marked as settled or partially satisfied with a £0 Balance

Dear Sirs
Re: Account Number xxxxxxxxxxxx
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.

I signed a trust deed on xxxxxx which became protected on xxxxx and xxxxx was included within the Trust Deed and I have since been discharged. For your convenience I have attached a copy my Form 5 notification of discharge. As such the information that you have recorded against my name with the Credit Reference Agencies is factually incorrect and as yet your company has failed to correct the entries as required.

1. It is requested that if you intend to default the account, the default entry must be xxxSame as dated originally signedXXXXXX, in accordance with the Data Protection Act.
2. If you have sold the debt on, according to the Information Commissioner, you are still liable to ensure that both you and the new holder are aware and that as the originator of the information it is your responsibility to ensure that it is corrected.
3. As I have not been discharged you are required to indicate that the account is now settled or partially satisfied.

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.

Yours faithfully

Pingpong. On your letter template at bullet point 3 you indicate you have NOT been discharged, Is this correct?

Ah sorry it should read "I have been discharged"

I was straightening things up, while I was still "not discharged"