Hello MJKW85 and welcome to the trust deed forum.

We're not credit file experts but we believe the following to be true:

1 - You should contact the lenders that have failed to update your credit file (with zero balances) and ask them to do so. They should do this within a reasonable period of time and, if they do not, you may use their complaints procedures to force this along.

2 - You should also ask any creditors that have registered defaults to mark them as being "satisfied".

3 - Anything that goes onto your credit file stays there for (around) six years from the date of entry. That means the defaults should no longer appear around six years after the date each was issued.

If you're working to improve your credit file some of the information at the following link might be useful to you:

http://www.trust-deed.co.uk/lifeafteratrustdeed.php

By the date of entry I take it that you mean the date reported on my file - so 2006 for example. I will write to the creditors in question and hopefully they will sort this.

Do TDF know of any mortgage specialists that are clued up about trust deeds and the like?

Thank you for this.

Hi again MJKW85.

That is what I meant... the date the entry was added to your credit report.

Mortgage lending soon after the completion of a trust deed is pretty tight at the moment (as it is for anyone with any kind of credit difficulty or large current balances of unsecured debt).
Graeme Leckie, who is a mortgage broker you'll find profiled on this site, has previously advised here that full efforts are made to "clean-up" any residual post trust deed credit file issues (like the things you mention) before pressing ahead with trying to find a mortgage.

A sizeable deposit will probably be a "must" as well.