An DRO will be shown on your credit record for six years. This article looks at what should happen, how to correct any problems, and how to start to improve your credit rating when the twelve months of your DRO ends and your debts are wiped out.
Even if you never want to be in debt again, a good credit score makes it easier to get a tenancy agreement, get a mobile contract and it’s essential if you ever want a mortgage.
How a DRO should be recorded
To make sure you don’t miss any problems, check your credit records with all the Credit Reference Agencies.
After your DRO is approved:
- the DRO will be shown in the Public Record section of your credit record;
- any debts which are in your DRO but not marked as defaulted, should have a default date added which is the date your DRO started;
- there will be no change for any debts which have already been marked as defaulted or for any CCJs;
- there will be no change for any debts which do not form part of your DRO.
You don’t get sent a certificate when your DRO ends after the year “moratorium period”, see What happens at the end of my DRO? for details. As that says, it is good if you can print off your Insolvency Register entry when your DRO finishes – this will disappear three months later.
At the end of the 12 months:
- the Public Record section of your credit record will be updated to say your DRO has completed. This DRO marker will remain on your record for 5 more years, until six years from the start of your DRO;
- the debts included in your DRO should be marked by the creditors “to show that you no longer owe money on that account (perhaps by marking the entry as ‘partially satisfied’ or ‘partially settled’ or in some other way)” (quote from the Information Commissioner’s Office) and the balance on the accounts should show as zero.
At the end of six years:
- the DRO marker will drop off your credit record;
- some of the DRO debts may already have disappeared and the rest should go at the same time as the DRO marker (because their default date should be on or before the date your DRO started.;
- CCJs drop off six years from the judgment date, so they should already have dropped off by this six year point
- at this point your credit record should be completely clean.
Correcting problems
1) Creditor uses a default date which is after your DRO started
If the default date is later (or not there at all!) it will delay the point at which your credit file becomes clear. You can ask the creditor to correct the record. (Don’t ask the credit reference agencies – they just report what the creditors tell them.)
I suggest waiting a few months after the start of your DRO before you bother to do this. Don’t try to do this on the phone, instead write the following letter to the Data Controller for the creditor (get the address from the ICO ), send it Recorded Delivery and keep a copy:
I had a Debt Relief Order approved on dd/mm/yyyy. You can confirm this by checking the Insolvency Register at https://www.insolvencydirect.bis.gov.uk/eiir/.
I am writing to ask you to correct my credit file for [details of your debt with the creditor, including account number or reference number].
At the moment [there is no default date shown / the default date is shown as dd/mm/yyyy]. This is incorrect and a breach of the Information Commissioner’s Office guidelines and the Data Protection Act 1998. There should be a default date not later than the start date of my DRO.
Please correct this entry within 28 days or supply me with a written reason why you will not do so.
If the creditor replies saying they don’t know anything about your DRO, talk to the DRO Unit about whether the creditor has been informed.
If the creditor knows about your DRO but refuses to add or correct the default date, complain to the ICO. Attach copies of your letter to the creditor, proof of posting and any reply from the creditor.
One exception – mortgage shortfall debts are unusual in a DRO but if you have one, read How to repair your credit record after bankruptcy which covers these debts.
2) Creditor doesn’t mark debt as satisfied when your DRO has finished
The creditor doesn’t have to mark the debt as fully settled/satisfied so there is no point in complaining if the debt has been marked as partially settled/satisfied.
If the debt isn’t showing as closed with a zero balance, send the following letter to the data controller for the creditor:
My Debt Relief Order finished on dd/mm/yyyy. I attach a copy of my Insolvency Service entry which shows this.
I am writing to ask you to correct my credit file for the above debt. The Information Commissioner’s Office guidelines state that my credit file should show that I no longer owe money on that account, perhaps by marking the entry as ‘partially satisfied’ or ‘partially settled’ or in some other way.
Please correct this entry within 28 days or supply me with a written reason why you will not do so.
Again, complain to the ICO as above if the entry is not corrected.
3) CCJs are not amended
The court only has to mark a CCJ as satisfied if you have paid it in full, which you haven’t – there is no ‘partially settled’ status for a CCJ. The best you can do is to add a note to your credit file to say that the debt was included in your DRO which ended on dd/mm/yyyy.
Is it worth doing this?
Yes. It is worth correcting the dates of default unless they are just a bit late. If these are months or even years late, then this will delay the time until your credit file is finally clean as these debts will remain for six years after the default date.
It’s a long while – five years or more – until a debt in your DRO will drop off your credit record completely, so it’s a good idea to get them all correctly marked to show that you no longer owe any money. This improves your credit rating slightly, which may be enough for you to be approved for a ‘bad credit’ card, see below. It also prevents the debt being ‘sold on’ to another Debt Collector, which is annoying as you have to correspond with yet another person and send them details of your DRO.
Getting positive markers on your credit file
Once your DRO has ended, it’s good to start acquiring new, positive credit marks on your credit record. First deal with the “clean up” process outlined above for your old debts. And make sure that you are on the electoral roll, your address and any other details are all correct with the credit reference agencies. This may take several months to complete if you have to go to the ICO.
Then apply for a Vanquis or a Luma credit card. Vanquis is owned by Provident, Luma is owned by Capital One – if you had a debt to one of these companies s in your DRO apply to the other one to maximise your chance of being accepted. If you are refused, double-check your credit file really is clean with all three credit reference agencies, wait a few months, then apply to the other card.
These cards charge very high rates of interest. This doesn’t matter because you should aim to repay it in full every month, so you never pay any! If you find you can’t clear the balance in full, you need to stop spending on the card until it is cleared and have a re-think about budgeting. Your credit rating will not improve faster if you leave a balance on this card.
At some point you will probably want to be able to get affordable credit to spread the cost of a purchase. This is a good time to prepare for that by getting an account with your local credit union.
This takes time
If you were expecting the end of your DRO to make an large, immediate improvement to your credit score, it usually doesn’t.
Don’t pay any firms offering a ‘repair your credit’ service because either they don’t work at all, or they will be no better than what you can do yourself. In August 2016 a firm called Bad Debtor was offering just such a useless service – see Paying Bad Debtor won’t improve your credit record for details.
The template letters here are very likely to work and if they don’t, putting in a complaint to the ICO is the best way to repair your credit.
Look out for the problems with “bad credit” cards
Amigo – not a good way to rebuild a credit rating
What happens at the end of a DRO?
jake says
hi, My debt relief order 12 month period ended last week and im keen to get my credit score back u. The link you included in that part with the data register i put in my details and nothing came up. Am i doing something wrong?
Sara (Debt Camel) says
Hi Jake, It’s good to be keen to correct your credit record, but if your DRO only ended last week, then you need to chill out for a bit as it will take lenders a while to update your credit records. I suggest waiting a couple of months and then checking your credit records to see if they have been correctly updated.
The data register link – you don’t put your details in, you put the creditors details in – you are trying to find exactly who at the creditor to write to if they have got a date wrong.
Joanne says
Hi Sara
My DRO was discharged in Sept,2014. I want to apply for Nissan finance on a car, but I do not want the embaressment of being refused. Is there any way of finding out if I will be approved first please?
Sara (Debt Camel) says
hi Joanne, I’m not aware that you can do a ‘soft check’ on this before hand. Make sure you follow all the points in this article before applying to give yourself the maximum chance of being accepted, but it’s only 6 months since your DRO finished so you may well have a problem.
Rachel says
Hi there, my DRO started in January 2010 so my understanding is that it finished in January 2011 as they last for 12 months. I hoping to purchase my first house next year, does my DRO completely disappear from my credit rating after 6 years from the start date of my DRO or from the end date? Also which would be the best credit agency to purchase my credit file from? Hope to hear from you soon. Many thanks.
Sara (Debt Camel) says
Hi Rachel, it disappears 6 years from the start of your DRO. You need to get your records from all three credit agencies if you are hoping to get a mortgage – also read this post about preparing for a mortgage application: https://debtcamel.co.uk/mortgage-with-debts/
craig says
I got a dro on 24may 2013 and was discharged from all on 24may 2014 and got my letter. I have been trying to fight with a few companies about updating my credit report from Default to Satisfied but they won’t do this after a number of phone calls.
When I call T-Mobile, they keep telling me its with the debit company, I call them as they tell me its back with T-Mobile. I don’t know what to write on the letter and where to send this.
Sara (Debt Camel) says
Hi Craig, If the debt company says the debt is “back with” T Mobile, then it sounds as though they were just trying to collect the debt for T Mobile and they didn’t buy it. I suggest you write the letter that is given in this post and send it to whoever currently has the debt according to your credit file.
Shak W says
I had a dro discharge in 2013 i managed to obtain x2 credit cards one with aqua and one with lunia (capital one) i explained my situation and now on a good wage and things are looking up. My main question is morgage! I have had a few brokers stating 20% despoit and ex bankcrupts can get finance.. What do you know about this with dro and does it get easier per year?
Sara (Debt Camel) says
Hi Shak, yes as time goes on, the DRO in your past becomes less important. But only 2 years after your DRO finished I am not surprised you would need a 20% deposit. You might find this article on mortgages and debt helpful: https://debtcamel.co.uk/mortgage-with-debts/
C says
Hello
I have just been given a Dro in October. I know you have to inform them of any change in circumstances but I’m just wondering if the official receiver has the power to check my bank account or ask me for bank statements for this mormentium year?
I’m not planning on doing anything illegal but I have applied for credit builder on the Cashplus card so I’m wondering if this is ok as its only £60 of credit?
Thanks
Sara (Debt Camel) says
Hi C, you are allowed to take out up to £500 credit whilst you are in a DRO, so this Cashplus card won’t break those rules. I wouldn’t recommend this route as it seems a very expensive way to buy a very small positive marker on your file. That’s why instead I recommend what it says in this article: wait til your DRO has finished . then start the repair process and after a few months get a “bad credit” credit card. But you don’t need to worry that the OR will find out what you are doing as you aren’t breaking any rules.
Courtney says
Hello
I read that after a DRO to help rebuild credit rating you should get a “bad credit card” roughly how long after a dro should I look into getting one? Also how long after a DRO are debts marked satisfied, settled or partially settled. Thanks
Sara (Debt Camel) says
Hi Courtney, I would wait 3 months after the end of your DRO then check all debts have correct default date and are marked as settled/partially settled with zero balance owing. If they aren’t then sort those out. Don’t apply for a poor credit card until all the debts are all correct.
josie says
hi Sara,
very good advice. I tried to get a poor rating credit card before my credit file was updated and ending up getting turned down ; which has now added another negative on the credit rating. Most companies have now updated the files with a zero balance but after two months, three haven’t so next week I will be using the templates you have put on this site.
Danielle says
I took out a DRO in August 2010 and was discharged in August 2011. Natwest have partially settled the account however this was not done until July 2013 and so the account was in default every month until then, and also the date of default was 31/12/2011. HSBC still have all of my accounts open that were entered into the DRO and all are defaulting every month. Surely this is incorrect? How can I rectify this as my credit rating is being affected still.
Sara (Debt Camel) says
Hi Danielle, your credit rating will never get to “good” until the DRO has dropped off in August 2016. But all the debts should have a default date on or before August 2016 – this is the most important point so they will all drop off at the same time as the DRO. Also they should all be settled or partially settled with a date of August 2011. This article has the letters that you should write to Natwest and HSBC to correct these problems.
Danielle says
I was discharged from my Debt Relief Order in August 2011. My credit report shows all accounts being partially satisfied in August 2011 and the accounts go into default every month on all the accounts until August 2011 . Is this correct or should the last default date on each account entered into the DRO be August 2010 when it was taken out?
Sara (Debt Camel) says
Hi Danielle, that sounds right. But what matters is not the last default date on a debt bit the first one – these should all be on or before the dated your DRO started.
Katy Harrison says
Hello I had a DRO which ended in Feb 2015. I did not print off my discharge notice and have no copy of it. Now I am having a struggle with one lender who won’t correct the default date until they have a copy of this. How can I get this notice please?
Sara (Debt Camel) says
Hi Katy, there actually isn’t an official notice for you to get a copy of (see https://debtcamel.co.uk/end-dro/) You should tell the creditor to contact the DRO Insolvency Service team for confirmation that your DRO has finished. If they won’t do this, put in a complaint to the ICO as this article says.
Specialgirl09 says
Hi
I had a DRO started Sept 2009 Ended Sept 2010. DRO now gone of credit report but 2 of the creditors still showing me in deault every month and also both have put a default date on after the DRO was made (1 was nearly 7 months after!) Still showing as being in default as of today.
Also one of the DRO customers sold my debt on to a recovery company in 2012 – 2 years after the debt was wiped off.
This has stopped me getting any form of credit and was turned down by mortgage companies as they said I had 2 outstanding debts. Feel robbed!!
Sara (Debt Camel) says
It is a shame you didn’t try to clean up your credit file before this. You can use the letters here to get those default dates corrected. Though if the latest one was 1 year and 7m after Sept09 it will be dropping off in April16 so that’s only 2 months away, so you may feel at this stage it isn’t worth bothering with.
specialgirl09 says
Hi
The Financial Ombusdman & Citizens Advice Bureau told me that if a default was put on BEFORE a DRO was made it would stay on for 6 years but they should not be put on after as they are included in the DRO. Also a Co cannot sell yr “debt” A debt collecting company 2 years later as there is technically no debt as once the DRO has finished then the debt is wiped off. Hmm funny business going on there!
Rang the Debt Co and they were very interested to know they had bought a worthless debt (glad they did serves them right) although must say the girl I spoke to was very nice & helpful.
George says
Hi can you please tell me if you have a DRO how comes some of the creditors named on the DRO have closed the accounts even when the DRO is still in place but 1 Natwest with who there are 3 named accounts on the DRO have closed 1 but have left 2 loan accounts opened on the credit file and are marking it as in arrears every month? Is this standard practiser?
Any help would be appreciated.
Thankyou
Sara (Debt Camel) says
Hi George,
it is standard practice to mark as in default every month during the DRO and mark the account as closed at the end of the DRO.
Sometimes a creditor will sell the account to a debt collector – in that case the account with the original creditor will be marked as closed but a new one will have appeared with the debt collector.
George says
The accounts that have closed there is no other accounts on my file & I’m 6mths into DRO, I was under the impression once the DRO was finished my debts where finished that is the advice I was given so why would they be sold to a debt collector if they can’t contact me for money?
Really I just could not understand why they have closed one and left 2 open on my file and other creditors have also closed accounts they did this 3mths into DRO according to credit file.
Thanks
Sara (Debt Camel) says
A debt can be sold as it still exists during the DRO – your DRO may fail for example if you inherit a lot of money.
Why have creditors closed accounts before the end? Well who knows, they may be taking the practical view that these debts are gone. It’s not bad news for your credit file so I wouldn’t worry about it!
Kat says
Hi, one of the creditors that were included in my D.R.O still update my credit file with a default every month. The interest and amount owed stays the same and I am no longer being chased for it. They have stated that after 6 years they will remove this but should they have stopped updating every month or are they within their rights to do this?
Sara (Debt Camel) says
hi Kat – what they are doing is right for the 12 months of your DRO. But when that has ended, they should mark the debt as satisfied or partially satisfied with a zero balance owing. Use the letters in this article to complain first to the creditor then to the ICO to get this corrected.
Kat says
Thanks for your response.
The dro ended in 2014 I believe. So the past 2 years have been updated incorrectly and it has an obvious massive impact on my credit score.
I have contacted them previously with no reply. They aren’t interested in correcting it at all.
Sara (Debt Camel) says
Well it won’t actually have made a HUGE difference to your credit score – the DRO being there will still dwarf everything else for the rest of the 6 years – but it may have been enough to stop you getting a bad credit repair card such as Vanquis or Luma. So it’s definitely worth getting it corrected by complaining to the ICO.
Sarah says
Hi,
I have been discharged from my debt relief order as of January this year.
I am moving in with my parents and plan to save approx £20k within the next 2 years towards a deposit. I will be looking to buy a house for no more than £75k.
At the moment my credit score is obviously horrendous.
If I were to apply for a mortgage in 2 years time with a bad credit broker do you think there would be any chance of me being approved as I would have a 25% deposit. (With keeping my credit file clean as well.) My annual salary is £19k.
Thanks
Sara (Debt Camel) says
Hi Sarah – that sounds like a reasonable plan. You know that a bad credit mortgage will be more expensive, but with a 25% deposit and borrowing less than 3 times your income I would have though it would be possible. Obviously clean up your credit file as much as possible as this article suggests but there is a limit as to how much it will improve in the next 2 years.
Serena says
Hello,
I did a debt relief order in 2012 and my creditors are still marking a default on my account every month pretty much. Is this right?
Many thanks
Sara (Debt Camel) says
No it’s not right. .The default date should have been on or before the date your DRO started in 2013. The accounts should have been marked as settled or partially settled on the date your DRO ended in 2014.
Martin says
Hi I did a debt relief order in 2012.im looking to get a morgage.i have credit card with luma and sim only contact on three..which are getting paid every time.my issue is my ccj says active?.and I put this in my debt relief order.anyone help and explain please
Sara (Debt Camel) says
CCJs can’t be marked as partially settled. It will continue to show on your credit record for 6 years since the date of the CCJ and you can’t do anything about it.
realistically you will find it very hard to get a mortgage till 2018 when the DRO drops off your record anyway, and the CCJ will be gone by then.
Serena Keron says
Hello, Thank you for your help, my creditors have marked uo my file with the correct default date – start of dro and satisfaction date -end of dro. 2 of my creditors have put partually settled so balance is 0. Are the other 3 suppose to do this? im having a priblem with one as they are telling me the balance shouldnt be 0 until after the 6 years is up?
Many thanks
Sara (Debt Camel) says
All the balances should be showing as zero.
Luke says
Hi I wonder if u could help me I got a dro in Dec 2011 n yesterday signed up to noddle to check credit score n the creditors I included in the dro r still saying default every month why is this but also I don’t know nothing bout my dro reference number any more as wen split wit ex partner she threw all paper work away same with account numbers for the creditors so i can get in touch with them n I need this sorting as want a mortgage
Sara (Debt Camel) says
You could talk to the adviser who set up your DRO, they may still have the paperwork, or get in touch with the DRO Unit using the following email address: DRO.Unit@insolvency.gsi.gov.uk
You may find this article https://debtcamel.co.uk/repair-credit-record-dro/ helpful as it addresses DROs directly.
Luke says
On credit file should it still be saying default every month though or something else as as got it 2011, n can’t go back to person that set it up as don’t know who it was or wat company dro was with as all paper work been destroyed
Sara (Debt Camel) says
You need to contact the DRO Unit then.
Wendy Green says
Hi my dro completed in 2014 but my credit report was not corrected. I have put in a letter to my creditors but I was informed by them that it is my responsibility to inform creditors of when my dro ended that’s why records not updated. Is this correct ???,
Sara (Debt Camel) says
I don’t think the Insolvency Service writes to your creditors at the end of a DRO. Most creditors would assume that a DRO will complete on time as 99% of them do… but you have told them now so they are going to correct your credit record?
Natasha says
Hi, my DRO finished on the 24th of June, I have checked my credit file and I still have 7 creditors saying that even thought the accounts are closed the balances aren’t zero. I want to know if I send the letter in section 2 to ask them to mark it as partially settled do I have to provide a photocopy of my DRO and do I address the letter to the data controller or try to find out his/her name. Lastly do I ask them to put the balance to zero or does this automatically happen when they partially settle the account?
Thank you in advance
Sara (Debt Camel) says
First I would wait another month or two. There is no rush here.
You need to enclose a photocopy of the Insolvency register entry which shows your DRO has completed. If you haven’t yet printed this off, do it now because it disappears after 3 months!
Just address the later to the data Controller.
The letter asks them to correct the credit record so it shows you no longer owe any money – that is all you need to say but you can change the wording if you want.
Peter says
My DRO completed in 2010 and according to noddle one creditor has an incorrect default date (2011). I am planning to send the first letter in the article but because it was so long ago, I’m not on the insolvency register. Any advice would be appreciated. Thanks, P
Sara (Debt Camel) says
Hi peter, send that first letter deleting the reference to the Insolvency Register. Often the creditor will accept this. If they want proof of your DRO then tell them to contact the Insolvency Service’s DRO team.
Peter says
Thank you Sara. A really helpful and informative website!
Peter says
So I followed your advice and sent them the letter deleting the reference to the insolvency register, and after 2 months I received a letter of apologies saying that my file has been referred to the complaints department. I then received a phone call asking me to provide proof and was told that a copy of the confirmation letter from the Insolvency Service will do (I should have referred them to the Insolvency Service’s DRO team as you advised), so I emailed a scanned copy to them. 2 days ago I received a letter saying “We are still not in a position to give you a final response….. we will be in touch again by the 1st of December”.
I am worried that I sent them too much info as the confirmation letter contained information about the other creditors. Also, and more to the point, what would your advice be regarding resolving the issue asap. Should I complain to the ICO?
Sara (Debt Camel) says
I wouldn’t worry that you have sent them too much information. I would be inclined to phone up and ask why it is taking so long?
Nicola says
My DRO was discharged in 2013 and all my other debts have been amended. Im still having trouble with my local council who say the have never recieved any letters yet the insolvency unit have emailed them twice with the evidence they have asked for and included me in the email the insolvency unit also told them that any monies i have paid they owe me. They are still saying im in arrears and being quite rude about it. Please help
Sara (Debt Camel) says
Hi Nicola, I suggest you should put in a formal complaint to the council about this. If you go onto their website it is usually clear how to do this – online or by email is best so you have a record of what you have sent and when. If that doesn’t get this resolved, then go to your local Citizens Advice who will be able to help with a stage two complaint.
Nicola says
I will be. Ive already spoken to a solicitor and local mp
Sara (Debt Camel) says
OK, you shouldn’t need to pay a solicitor for this, your local CAB will do it for free.
Nicola says
I hope so. Thank you
steve says
Hi, I successfully completed a DRO in 2015, and after a year I decided to check my experien statuary credit report, of my six original creditors only two remain on my report, I have no idea why the others are not on it, also these two just show my balance as it was on my default date in 2014.. I thought it would now show as zero or settled.. do I need to contact these creditors and ask them to amend this? Any help please….. thanks
Sara (Debt Camel) says
The other 4 may have had default dates over 6 years ago if they were older debts? Or perhaps they never reported to Experian and only show on Equifax of Call Credit? You really need to check all three credit Reference Agencies, see https://debtcamel.co.uk/best-way-to-check-credit-score/ for how to do this.
The two that are showing should have a zero balance, you need to ask them to correct this – there is a separate article with template letters for after a DRO here: https://debtcamel.co.uk/repair-credit-record-dro/.
steve says
Thanks for the swift reply, and the links. You have been a great help
Michelle says
Hi I started a dro in March 16. I had a look at my noodle credit report and creditors are still marking my debt as default. I’m 8 months into my DRO what should I do?? Thanks
Sara (Debt Camel) says
You don’t need to do anything, this all sounds normal and correct. At the end of your 12 month DRO period your debts will be written off – at that point the creditors should stop adding defaults and set the balance owed to zero , as the article above explains. Only 3 months to go :)
Michelle says
Hi thanks for you quick reply. So I should wait until maybe June next year and have a look again if still defaulting contact them?
Thanks
Sara (Debt Camel) says
Yes, they should have sorted it out by June.
Iain Mortlock says
Hi
I had a DRO back in November 2013, discharged November 2014. I have recently signed up to Noddle and whilst looking on my records I am seeing a default to Vanquis Bank from September 2013? I’m unsure if this is supposed to be here or if I need to contact them to get this rectified?
Many Thanks
Sara (Debt Camel) says
I hope the Vanquis debt was included in your DRO?
If it was, then the default before the start of your DRO is fine, but the balance should now be set at zero and the debt should be marked as satisfied – is it?
Iain Mortlock says
Hi Sara
It should of been but not directly through Vanquis Bank, the amount is more likely a doorstep loan which would of been on the DRO.
I am still getting red markers each month with a balance of £150.
Strangely the markers only start from May 2016
Sara (Debt Camel) says
Vanquis is owned by Provident, but it would be unusual to see a doorstep loan from provident showing on your credit record as a debt to Vanquis Bank, that would normally mean a Vanquis Credit card …
You need to get hold of your DRO letter that listed the debts covered by the DRO and check them off against your credit record.
From what you say I can’t tell if this debt was included in your DRO – in which case it should now have zero showing and you need to ask them to correct this. Or if it was missed off your DRO by accident, in which case I am afraid you still owe this money. Or if the debt isn’t yours at all but is showing incorrectly on your credit record.
Iain Mortlock says
Provident would be one of them included in our DRO.
They contacted me a few months back chasing up debt but I told the customer service team I had a DRO and to contact me if they needed anything further but I heard no more
Sara (Debt Camel) says
Well if you are sure this debt was included in your DRO, you should write to them and ask them to set the balance to zero. But I am concerned about the name difference – if Vanquis don’t correct this, I suggest you go back and talk to the adviser who set up your DRO about what you can do.
Iain Mortlock says
Yes see I’ve never had a credit card, only loans from Wonga.com, provident, greenwood’s and shopacheck. The debt can’t be anything else as there were no other debts everything was included in the DRO.
So which should I write to Provident or Vanquis?
Sara (Debt Camel) says
Is there a loan from Provident showing on your credit record?
If the entry on your credit record says Vanquis Bank, write to their Data Controller at the address here: https://ico.org.uk/ESDWebPages/Entry/Z767493X
Rich says
Hi ,
When you say that the debts should show as settled or partially settled at the end of the dro, do you mean once its been discharged after a year? Or do you mean after 6 from the date it began. Mine was discharged in 2014 but I still have amounts and defaults showing on my credit file each month.
Sara (Debt Camel) says
If your DRO started in 2013 and the DRO year ended in 2014, then all your debts in the DRO should have a default date on or before the DRO started. And they should all have a balance of zero showing from the end of the DRO year. If they don’t then ask for these to be corrected.
Bobby elliott says
My debt relief order from 2013 isn’t showing on my credit file not that I’m complaining but whys it not there? I use Experian and clearscore
Katie says
Hello,
I had a dro December 2014. The only reason for this was because I was 6months pregnant and I went through a major fraud which happened to 150 people. I lost £10,000 trying to buy a car and it turned to be a fraud which police to this day are still investigating, luckily they have arrested them all but unfortunately I will not get any money back at a difficult time like this I had to get a dro, however I’m trying to get a mortgage but I’m having to wait until the dro is off my credit score. Is there anyway this will come off my credit rating before the six years? As I still have 3 years left. Also because I have got proof of the investigation and paper work is there anyone I can show it to help get the dro off my credit score.
Thank you
Sara (Debt Camel) says
No there isn’t a way of getting this removed I am afraid. All insolvency markers – DRO, IVA, bankruptcy – remain for 6 years. Sometimes this can feel very unfair – I have seen IVA cases where the person has repaid 100% of their debts but the marker remains and they can’t get a mortgage.
Natasha says
Hiya at the end of last year I followed the article suggestion in regards to writing letter 2 with the copy of my completed DRO. I sent it recorded delivery to all the data controllers of my creditors. Majority of the lenders had changed my balance. However, Barclaycard and Aqua haven’t updated their records even though they both have received my letters.
What should I do now?