I Was On a UK Debt Relief Order and Want to Get It Off My Credit Report. – Simon

“Dear Jon,

Hi, I was on a debt relief order a couple of years ago, it was satisfied about a year ago.

On a recent credit report the bankruptcy was on there, also there was one of the debts that I thought had been covered by the DRO.

Also the bank say that I cannot close the account as it was overdrawn, so I still get the statements every month, I know I can get them by emial which i am going to do.

How do I get the bank debt taken off the credit report? Is there any way to end the statements totally, so i never hear from them ever again?

Also I get letters concerning my business account that I had with them, I did send them a letter explaining the DRO, but this hasn’t made any difference.

If you could help me in any way at all with this I’d be very grateful.

Yours sincerely,



The debt cannot be removed from your credit report as your credit report must be an accurate portrayal of your accounts and how they were paid.

What you can do is provide the credit reporting agencies, Experian, Equifax and Call Credit, documentation of the DRO and that it has been finalised. You can also provide this information to the creditor(s) in question so they can update their records.

Let me know how you get on.



Jon Emge is an experienced UK debt advisor who has helped thousands and thousands of people in the UK to deal with problem debt. Jon specialises in finding good solutions for problem debt using a variety of UK specific techniques.

If you have a question you’d like to ask about how to get out of UK debt, just use the online form. I’m happy to help you for free.

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