Hi there greenie.

What types of inaccuracy are you concerned about according to your review of your credit report?

They are not marked as satisfied as yet and yet I was discharged from TD in May 2013.

I have written up a rough letter today and provided my account numbers and Form 5 letters so im hoping this will suffice. Thank you.

Hi greenie,
Here is a copy of the letter I sent to my bank (I got it from another TD member on this forum a couple of years back). Amendments were made fairly quickly following this. You will need to fill in the bits with your own relevant details / dates etc.

Good luck.

ADDRESS

Data Control Officer
BANK ADDRESS

DATE

Dear Sir/Madam

Re
After consultatIon with both the Information Commissioner and the Credit Reference Agencies, I am writing directly to you to request that you formally update my credit files In accordance with the Data Protection Act 1998. According to the Information Commissioner's Data Protection Register, you are listed as Data Controller for Bank.

I signed a trust deed on DATE which became protected and was subsequently discharged on DATE and Bank was Included within the Trust Deed. My credit file report has the following Information displayed;

Late payment up to most recent update on DATE.

This Information Is Inaccurate and as such Is In breach of Schedule I, Part I, Item 4 of the Data Protection Act 1998, which states that Personal Data shall be accurate and, where necessary, kept up to date.

It is requested that if you intend to default the account, the default entry must be DATE, in accordance with the Information Commissioner's guide to bankruptcy.

It Is requested that you mark the accounts with any balance outstanding, In some way as to Indicate that It Is settled or satisfied, In accordance with the Discharge of my Protected Trust Deed, with which I have Included a copy, and In accordance with the Protected Trust Deeds (Scotland) Regulations 2008, which have released me from any obligations to creditors listed within the Trust Deed.

If you have sold the debt on, according to the Information Commissioner, you are still liable to ensure that both you and the new holder are aware and that as the originator of the Information It Is your responsibility to ensure that It Is corrected.

In accordance with Section 10(3) (a) and Section 10(3) (b) of the Data Protection Act 1998, then you are required to provide me with written notice, within twenty-one days that you intend to amend the Incorrect Information above, or state your reasons for refusal to do so.

After the twenty-one days have elapsed, the Information Commissioner has requested that I inform them if your company fails to update the records so that they may take any necessary enforcement action against your company.

I have copied the relevant Information provided by the Information Commissioner as an attachment to this request.

Yours faithfully

SIGNATURE

Hi greenie.

In addition to the information that worriedme has kindly shared with you already, there's some information on this specific subject at the following link which you may find useful:

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