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Scottish Trust Deed Forum
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Topic starter
13/11/2016 10:52 am
Good Morning,
I am two years out of my Trust Deed and nearly five years past since it become protected in Dec 2011.
I very much appreciate the excellent advice on the forum over the years and recently on what I've read on how to proceed with cleaning up my credit files.
I went through a process of contacting credit card companies to ask for defaulted accounts to be noted as satisfied/partially satisfied.
They did all comply HBOS were the fastest and Barclaycard the slowest. However they have all marked the date satisfied as Nov 2016 rather than back to Dec 2011.
Is it worth sending another round of letters asking them to backdate the satisfied date as Dec 2011 or will they all fall of when the Trust Deed comes off my file in a year?
And can they be forced to back date in to Dec 2011?
Many thanks
14/11/2016 5:03 am
The settlement date does not really matter.
Make sure they are marked as default from the date that your TD became protected this is the important date. The accounts will fall off of your file 6 years from that date regardless of when they were settled.
The accounts should be marked as settled pr partially satisfied from the date you were discharged however, this will likely not make much difference to your credit worthiness (not your score, your score is meaningless).
Credit reference agencies are compelled by the Data Protection Act to ensure that the information they report on you is accurate. if the fail to do this you can complain to the Information Commissioners Office to have the information corrected. Do not pay anyone to do this for you you can do it yourself for free.
14/11/2016 9:18 am
Hello DontDoDebt.
I agree with pingpong here.
The settlement dates aren't going to get backdated to the start of your trust deed - the settlement dates should be when you were discharged as far as I know.
They'll still fall off your credit file when the default notice itself reaches six years of age.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
14/11/2016 9:33 am
Thank you ping pong and TDA for your replies that's very helpful..so 10 months until that date where defaults should fall off. I will keep an eye on it at that time.
Thanks again!..
