Morning

Your credit report should report reality and your creditors should have updated the account to "settled".

Have a look at the blog

https://www.trust-deed.co.uk/repair-your-credit-rating.html

Hope this helps

As Paul says, the lenders should declare appropriately.

At the time of signing, they should have marked the accounts as "defaulted" and upon your discharge, "satisfied".

Presumably you're near the six year anniversary, if you've been discharged for over a year. So as long as your default dates are accurate, this shouldn't be an issue that affects you for too much longer. If any of the default dates are later than the date you signed the Trust Deed, you should contact the creditors and have them fix this.

Hi gpnk84,

The balances should have been amended to zero when you were discharged.

Default notices (which should have been issued at the time your trust deed began) should technically be marked as "partially satisfied" if the debt wasn't fully repaid though, in reality, they're often marked as "satisfied" (which is better).

Have a look at Sections (06) and (07) on the page that Paul provides a link to. Hopefully this will help to equip you to require your former creditors to make updates where they are appropriate.