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Topic starter
19/10/2013 4:27 pm
Looking for a bit advice, I am currently half way through my PTD and today I took a look at my credit report.
I am confused as to why some of my creditors have my accounts listed differently from each other.
for example
the RBS and Lloyds have my accounts showing as defaulted listing the balance and putting an 8 up every month updates right up till now.
Barclaycard are showing the account as Satisfactory and putting up a zero every month, with a zero balance - but at the top of the report its only their balance showing as outstanding.
MBNA are showing a default but a satisfied balance from July 2012 with no updates since.
how should things be showing at this stage of the game? I am thinking the only one that is right is the MBNA?
or is it too early to worry about these things?
Many Thanks
Lisa Jane
20/10/2013 9:12 am
Hi Lisa Jane.
I'm not sure what the right answer is and I haven't really thought about it before. I don't suppose it matters too much? What's added to the file once you're discharged from the trust deed is probably much more important?
I think I would have expected most of the accounts to show like the RBS and Lloyds ones as you describe them.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
20/10/2013 8:21 pm
Hi Lisa Jane
My Trustdeed finished in Aug 2012. I was discharged in Aug 2013.
I checked my credit reference on Noddle.
All accounts are showing as Defaulted, except Barclaycard which shows OK and green. It shows the credit limit and also a balance which is just a bit greater than the limit. I am not sure why it differs with Barclaycard.
I have written to all the creditors (except Barclaycard for now) to ask them to update my record.
This is just to give you a comparison with how your records are shown.
Topic starter
21/10/2013 4:47 pm
Thanks for the replies, they are useful and I will bide my time till the end of the trust deed and re check with the agencies then,
it just confused me as they were showing differently, but it must just be Barclaycard doing things differently.
thanks for the Help
LisaJane
