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Scottish Trust Deed Forum
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Topic starter
11/08/2010 8:42 pm
Hi,
I was told by Invocas that all defaults would come off my credit rating after 5 years however i've just been on to Credit Expert website and they say 6 years.
I was discharged from my TD in January 2008 however there are still 4 companies that say I have outstanding debt.
How do I get these balances removed. Do I contact Credit Expert?
Thanks
Kimmie T
12/08/2010 9:54 am
Hi KimmieT,
We're not experts on credit files and credit ratings but it's my understanding that all information on a credit file will stay there for a period of six years.
Your Trust Deed company has no role in liasing with credit reference agencies.
Are you saying that there are 4 default notices on the file? What dates were they added to the file?
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
12/08/2010 9:13 pm
It is 6 years for any entry to disappear. However, your debts should show as settled and I think you may need to contact the credit reference company and ask about making a correction to your file, KimmieT.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
