Hi nells99.

When we researched this we thought Experian's CreditExpert was the best option. We explain why (and provide access to a free trial) at:

(Updated Link 2020: https://www.trust-deed.co.uk/repair-your-credit-rating.html).

There is a significant monthly charge after the free trial if you don't cancel it. Some people have spoken highly of the free Noddle service in this forum.

If you're discharged you don't owe the money any longer and your credit file should reflect this. Whether your trustee is discharged shouldn't be relevant.

Two months seems long enough to expect creditors to have made updates but we often hear that some of them do require chasing to do this.

Hi TDA

just made a call to the trustee, my file is closed, which is great news. as for Experian because I registered with them last year I will be charged £14.99 for the month 🙁 hopefully I will have more luck with noddle.

thanks again

Nells

Hi

got onto the Noddle :), I have noticed there is still a default with a company, should this not be closed now that all dividends have now been paid?

Nells99

Hi.

If an account is marked as being in default then we think the balance should be set to zero (and therefore no longer be in default).

If you're talking about a formal Default Notice this should be marked as being satisfied or partially satisfied.

Hi TDA

It looks as though there is still a balance to pay before it can become satisfied or partially satisfied. the other thing is i dont recognize the creditor 🙁

Nells

If you've been discharged there is no balance to pay - the debt no longer exists nells99. Your file should be updated to reflect that.

I think this will be the debt purchaser you've mentioned on a different thread?

Hi TDA

i googled the company Tti Spc. thus finding it was already mentioned back in the forum in July.

what are the first steps i take to resolve this ?

thanks

Nells

Hi

its ok got the info 🙂