No, to be honest, they have been good. Just need them to do this last Discharge and ill be happy!

It should have been done long before now. Best of luck. Let me know how you get on

Hi there.

I'm not sure trustee discharge makes any difference at all here.

This article includes a section about mortgages after trust deeds:

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

Thanks for the link, much appreciated.
I know Experian, CallCredit and Equifax all have their own score ratings and to be truthful, still cant work out how they calculate them. However, since some scoring figures looks more promising than the other(s), is it worthwhile or beneficial in my case finding out what Credit scoring company a Mortgage lender would use before applying?
BTW, just had an email to say there is no objections to the Trustee discharge and therefore the AIB will be updated early in the New Year. Almost there!

That sounds like good news Rickie1.

If there's one thing we've learned here over the years, it's that the "credit scores" provided by credit reference agencies are almost meaningless.

Lenders don't use these credit scores. They use the information held in your credit report, plus the information in your application, to apply their own scoring system. The score provided by the credit reference agency is just a guess of what a lender might think - in reality this might be very different to how any particular lender sees it.

We've also often seen credit reference agencies provide pretty decent looking credit scores, but they're irrelevant because a particular lender (especially mortgage lenders) have simple rules that they will not lend unless someone has been discharged from their trust deed for (for example) 1, 2, or 3 years.

Forget the scores. The two things to focus on are:

1 - Ensuring that the content of your credit reports is accurate.

2 - Making responsible positive use of credit.