Hi Firewalker.

This article should answer your questions:

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

I think all of the credit reference agencies (Experian, Equifax and CallCredit) offer a free trial of their service.

Thank you. That is very helpful. Pity I had not realised that 3 years ago when I took out the PTD!

I have had a free trial before with Experian, but will try again or one of the other ones.

Thanks again.

Hi Firewalker,

I just opened a noddle account with no bother and has up to dat and accurate information. Really is good to get your default date sorted as it will be 6 years from this date that the account will drop off your credit report. It is the lender of the debt that is responsible for keeping your credit report up to date and you should write to them (even if the debt is sold on it is the original lenders responsibility to ensure that your credit report is up to date). I had a Halifax loan that was part of my TD and they sold to another company (who sold to another company!) whilst in my TD. At the end of TD it was the Halifax I wrote to and they updated my credit report, I found a great template letter in MSE (just google Life After Trust Deed - MSE). Hope this helps.

Thank you Blacklily - that is really helpful. I had a quick look at Noddle and going to check everything out this weekend.

Good to know you have used Noddle successfully; and thanks for the template letter information [:)]

Another option is to pay £2 for your statutory report from Experian. It's quite a bulky document but has everything in it, including helpful addresses of where to write to your creditors. I'm trying to get mine cleaned up and not having much luck. I've heard it can take a while so I'll keep trying.

Just an update to let you know I successfully opened a Noddle account and checked the dates of default - they varied quite significantly, with only one creditor having the correct date recorded.

I also found the template letter and have copied that ready to use.

Given that I have just made the final payment and I should be released, I thought it would make more sense to do the letter once - asking the date to be corrected and also the account to be marked settled or similar. I guess it depends on how quickly (or slowly) the Trustee acts to discharge me. I want to remain positive that he will discharge me quicker than he responds to my letters :-).

Thanks again for the information (and to original poster). I would not have known to check otherwise.

Just been reading you threads, excuse my ignorance but what is noodle, also is it only when you have been released/dismissed from the PTD that you can start getting your credit file up to date or when the 6 years are up. Do things not improve on their own? Do you have to inform the creditors yourself.[?]?

Hi lorrainek.

It's actually "noddle" rather than "noodle".

It's a free credit reference service that's worth having a look at.

Once you've been discharged your creditors should update your credit records. In practical terms some seem not to do so properly or promptly and it would be in your interests to "encourage" them to get on with it if that happens to you.

Just a slight caution-I opened a Noddle account-v.simple! They ask for your bank card details but say you won't be charged, I was charged. (Tiny amount x 2) It's not been easy to get someone to speak to. Martin Lewis'site has several customers reporting similar but with varying deductions, some I would consider large when they're not pre-notified or expected.

Will update.

The feedback we saw about noddle when we researched our credit file page was a bit mixed.

I think it's an excellent and interesting idea, but I'm not sure it's necessarily the best way to get full accurate and helpful information right at the point you need it.

It has plenty of fans though.

Free often does?

Thanks for that, is it safe? Dont like the sound of the varying fee being charged.When it comes time for us to be discharged I know I can get the help and advise on here.