Hi KAT,

I'm afraid your trust deed will remain on your credit record for six years after it began.

It should be apparent that you have been discharged on your credit report, which means that your credit status could improve steadily over time.

The further back in history your trust deed is, the more likely lenders will consider lending to you.

For example, almost all mortgage lenders will require that you have been discharged for at least two years (often longer) before they'll consider new lending to you.

There are car finance options available but they could be expensive at the moment. They'll typically become less expensive over time.

There's quite a bit of information on the following page that might help you to move forwards a little faster:

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