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Scottish Trust Deed Forum
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Topic starter
15/01/2013 5:42 pm
My trust deed is due to drop off my credit file in February. I tried the other day for a loan for a new car (much needed) and it was declined. All my current creditors are paid up to date and on time and have been since entering at TD. I only have a vanquis visa and a La Redoute account along with an Orange phone contract that is paid by direct debit. Will it take until after the TD disappears for me to be accepted?
15/01/2013 5:58 pm
I would wait until its dropped off for maximum chance of acceptance.
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
15/01/2013 11:10 pm
Hi Lorryjo1983.
Lenders all have different acceptance criteria. This rejection may be down to a trust deed on your credit file, but it could easily be to do with something else. Another lender may be prepared to lend to you.
Paul is correct, once it's off your credit file its one extra thing in your favour.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
16/01/2013 9:40 am
Are you on the electoral roll lorryjo1983? Can cause a problem if not.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
Topic starter
16/01/2013 10:31 am
Thanks everyone. Yeah Kevin I am but only been at my current address for 1 year, was at my last one for 22!
