After my initial determination to update my credit reference files I lost interest and didn’t write to my other creditors.  I ordered my statutory report from Equifax and checked the entries for the creditors that I had written to.  I was pleasantly surprised!

Littlewoods – marked as partially satisfied
Natwest – marked as partially satisfied
Egg Loan – marked as partially satisfied
Egg Card – marked as partially satisfied

I was surprised about the Egg entries as they hadn’t replied to my letter.

The one big disappointment was Barclaycard – they had replied to my initial letter saying that they would mark the account as partially satisfied, but when I checked the entry it’s still showing as defaulted and they have sold it to Max Recovery who are also on the report so it looks as though I owed both companies!

On Monday I posted letters to Barclaycard (again!), Next Directory, Tesco Personal Finance and Max Recovery (Barclaycard and Virgin).  Once 6 weeks have passed I’ll order my credit files from Experian, Equifax and Call Credit and see if everything has been done – if not it’ll be letters to the Information Commissioner!

The Callcredit file could be interesting as they had me being bankrupt twice on the same day, but I haven’t written to them yet – I want to see if it’s corrected when I get the file again.

One very positive thing – I noticed on my Equifax file that I had an alias.  It was only a misspelling of my name, but I wanted it cleared up.  I completed their online complaint form and had an email within a week saying the entry had been removed.  Obviously I’ll have to check, but fingers crossed!

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