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Scottish Trust Deed Forum
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Topic starter
04/07/2013 6:50 am
Hi guys,
quick on this (hopefully), im signed up to noddle at the minute for their credit report, and am about to finish my trust deed in 5/6 weeks.
I only have one debt showing on my credit report at present, which still comes up as "late payment" each month.
Is there somewhere on this credit report I should be able to see the date this finance was defaulted on, or will this not show until the trust deed is completed and this debt is changed to settled (or partially settled)?
I thought I would be able to see the dates of default before the debt is marked as settled, and if the date was wrong i could start getting this put into order, but I cant for the life of me find it. Or do I need to be on experian/equifax to see the default date?
Also, and I'm not sure if this is related, this debt has been ongoing since 2008, but I can only see the balance history as far back as October 2012 for some reason? is that an issue?
Sorry for all the questions in one post, and I understand if you dont know the answer, I know this is not strictly trust deed related.
Thanks,
Mick
04/07/2013 10:27 am
Hi mick1985.
I'm not familiar with Noddle in particular. I know we have a few members that use the service so they may be able to offer some more specific advice to you.
Normally (I think) any default notice would be identified next to the payment record. This raises the possibilities that:
1 - No default notice has been issued or/
2 - One has been issued but Noddle has no record of it.
If no default notice has been issued there's obviously less for you to do. You'd just want to check that the balance has been set to zero once you're discharged.
I'm afraid I don't know why only the recent payment record would be displayed.
All of the consumer reports suggest that there's quite a discrepancy between the different credit reference agencies in terms of the completeness and accuracy of the information that they show. Some posters here have therefore suggested that reviewing your report with each of the agencies will make sense once you're discharged.
In recent consumer reports the Experian (CreditExpert) service has been described as typically the most complete and accurate. That's why we suggest using their free trial in the aftermath of a trust deed being discharged. Obviously there is a not insignificant cost associated with continuing to use it after the trial ends so it's probably best not to use it too early in the process. There's more about that at:
(Link updated 2020: https://www.trust-deed.co.uk/repair-your-credit-rating.html).
Someone we work with used this recently to deal with all sorts of problems related to their identity being stolen and fraudulent credit applications being on their behalf. They found the report pretty clear and it was frequently updated as each individual problem identified was resolved.
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