Hi ibmstyle.

Are you looking for feedback about whether the content of your credit file is appropriate?

Anything that goes on your credit file will stay there for six years. I'd therefore expect the trust deed to fall off your credit report later this year.

Those dates next to each account; are they the dates that default notices were issued for each one?

All of this information should fall off after 6 years, ibmstyle. So not long to go now!

Thanks for the info.can i still get mortgage with this information on credit file or shall i wait till file is clear

We can't answer that question ibmstyle. It's a question to put to a mortgage broker who understands what mortgage products are currently available.

In very general terms though, you may have more options once these default notices have fallen off your file later this year.

It looks as though the companies are reporting different dates on your file ranging from 8th August to 10th October. Assuming you signed the Trust Deed in August you should be contacting the companies to get them to alter the dates to the day the Trust Deed was signed. They will all fall off around the same time if you do. Looking at those dates it will be October before they do and probably won’t show on your. Credit file for att least another month after tha so will take you into November. It’s just a few months but if you are desperate to secure a mortgage sooner rather than later it could make all the difference. Best of luck.

It's a good point Black Night.

Depending upon circumstances and future plans, the effort might be worthwhile to get the post-August default notices backdated.

Hi how can i back date these notices.should i contact those companies or experian to fix them.also now the credit file shows iva or bankruptcy 71 months old so i assume it should disappear next month.i am planning to apply for mortgage in september but would like all those default accounts disappear same time as trust deed

Hi ibmstyle.

You'd need to contact each of the lenders and request that they update the credit reference agencies.

See the default notices section on the following page for further information:

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

Hi do i need to phone them and do i need my account numbers for each of them or they can pull my details with name and dob etc

Hi,

It's probably best to email them so you have a copy of the request for them to update the information on your credit report.

An account number would help but hopefully they can find your account without it if you don't have it.

Thanks everyone you guys are the best. i am so lucky that i came through this forum years ago and completed trust deed successfully

Hi emailed all creditors and no one replied except capital one and they phoned me and said that notice was received in october and then it was defaulted in november so that can only back date to october and not august
I told them trust deed started in august and it should be backdated to august but no they said it cant be and asked me that you can complain to financial ombudsmen service if you are not happy

Hi ibmstyle,

You may want to escalate this if you're unhappy with this response. You'd have every right to do this as the position they have stated is incorrect.

More about default notices and escalation in Section 5 of:

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

hi i escalated it to ICO but trust me this is immense pressure and big job to fix these as i was thinking these lenders would have all the correct record and are responsible lenders but they dont care if your credit file damages due to their fault.i have found another problem with zopa only that they even havent partially settled the debit after trust deed and are still giving me a default notice every month while all other lenders atleast showing partially settled.i emailed them and they said that we have the information from your trustee that your trust deed will end in september 2019 which is wrong and a lie as my trust deed ended in 2017.i have sent them proof and waiting.also i phoned experian who also sent request to all the lenders to update dates of default notices.still waiting.see below from zopa

Previous 12 months 10 Jun 2018
£667.00Account in Default
£667.00Account in Default
£667.00Account in Default
£667.00Account in Default
£667.00Account in Default
£667.00Account in Default
£667.00Account in Default
£667.00Account in Default
£686.00Account in Default
£686.00Account in Default
£688.00Account in Default
£688.00Account in Default
Previous 13 to 24 months
£688.00Account in Default
£688.00Account in Default
£688.00Account in Default
£688.00Account in Default
£688.00Account in Default
£688.00Account in Default
£688.00Account in Default
£688.00Account in Default
£688.00Account in Default
£688.00Account in Default
£688.00Account in Default
£688.00Account in Default
25 to 36 months
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
37 to 48 months
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
49 to 60 months
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Account in Default
Payments up to 1 month late
In good standing
In good standing
61 to 72 months
In good standing
In good standing
In good standing
In good standing
In good standing
In good standing