Hi All,

First time on here, can't believe I just found this site now?! What en excellent tool for people to get answers and encouragement on what can be a daunting experience (I certainly felt like that). I've acutally just completed my Trust Deed and WOW what a feeling! It's the most accomplishing thing getting to the end of those 3 years and feels like a weight has been lifted. I remember sitting in my living room with Shona (who reassured me and provided invaluable help at the time) going through the various stages and paperwork and finally realising the extent of my debt problems and thinking "oh my god, this is serious and I'm going to be 27 by the time I've done this" it seemed like a life time. But, here I am, 3 years later and all the better for it. Can't echo enough the truth about how much I've learned about myself, budgeting and the value of money over the last 3 years. I would quite happily go without a credit for the rest of my life but if I want another mortgage etc then I need to build up my credit rating, but the difference is I now trust myself to keep it under control and spend responsibly. So to anyone who is about to embark on a Trust Deed, there is light at the end of the tunnel but you MUST keep up your side of the "deal" and take it seriously and use it as an opportunity to really be honest with yourself and learn how to budget, save and spend responsibly.

I'm still awaiting my discharge letter, although hopefully this won't be too far away as that would be a fantastic end to the year 🙂 My only query is what's the best way to obtain a my credit file to make sure my previous creditors updated the credit agencies?

Thanks,
Natalie