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Scottish Trust Deed Forum
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Topic starter
29/07/2018 7:35 pm
Hi so I've since learned on here that lenders don't use credit scores and actually go by a credit report, now I'm wondering if a report is something that can hinder me for life, my trust deed started 2008, and finished 2012/13, is it possible this will have disappeared from my report or can it still show lenders about my defaults ie trust deed, any help on this and steps I can take will be greatly appreciated, thanks ,
30/07/2018 8:10 am
Entries (such as defaults) usually last on your credit report for 6 years Macky.
You can access your credit report using the likes of Experian/Equifax/noddle - there is a free credit report trial linked to on this website - and have every right to ensure that it has been duly updated following your trust deed and accurately represents your circumstances.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
Topic starter
30/07/2018 12:34 pm
Experian have me as good almost excellent and equifax has me as poor, there is no record of my trust deed but a few missed payments 18 months ago and a few arrangements flagging up from back then also, can I turn around my equifax for next April , your thoughts on that please Kevin , thanks
30/07/2018 12:42 pm
What do you mean by arrangements Macky?
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
30/07/2018 1:20 pm
Hi Macky
Surprising as it may seem, Insolvency Practitioners actually have very little communication or dealings with credit reference agencies. If you are seeking to apply for a mortgage then it is probably best that you discuss the matter with an independent financial adviser.
In any event, it is my understanding that any entries relating to your debts which were in your trust deed should fall off 6 years from the date of protection of the deed, and should presently be marked as at the very least partially satisfied.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
