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Scottish Trust Deed Forum
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Topic starter
20/09/2013 6:18 am
Hi, hope you can answer my query. I checked my credit file yesterday on Noodle and it showed all but one of my creditor accounts as closed, surely they should all be closed? The one that is still showing as open is one that is in a joint name with my ex, could this be the reason? Also can you confirm that it is 6 years from the date of default that the records fall off my file, or is it 6 years from the date of my sequestration? Love this forum, even though it's for Trust Deeds, it is very similar to sequestration and has given me loads of help and advice over the last few years, only 8 months to go, it's gone really quick.
j smith
20/09/2013 9:55 am
Hi juliet.
When you were discharged from sequestration these debts ceased to exist. The balances should therefore be marked as zero and any default notices should be marked as being "satisfied" or "partially satisfied".
The fact that one debt is a joint loan doesn't seem relevant. You don't owe the money any longer and your credit file should reflect that (even if it doesn't for the other joint borrower).
Anything that goes on your credit file with a date (the date of your sequestration for example, or the date of a default notice) should vanish six years after that date.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
