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Scottish Trust Deed Forum
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Topic starter
15/03/2014 9:56 pm
Good evening.
This is my first time on the site.
I will make my final payment next week for my Trust Deed and I have been in contact with the company to make sure everything will run smoothly and if there were any problems I should be worried about. I have been told everything is currently fine.
I am now looking for any information regarding rebuilding my credit rating, if this is even possible at this stage.
I've been told to get a credit card and make a one off payment each month and pay the balance in full each month.
Any help and/or advice will be much appreciate.
Kind regards
David
15/03/2014 10:18 pm
I use a vanquis card but there are others. Its now showing up positively on my credit files. Something like a next catalogue account or mobile phone contract all paint a better picture but it will only make a difference after the trust deed drops off your files (6 years from the start of the trust deed).
Welcome to the forum.
paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
Topic starter
15/03/2014 10:26 pm
So any good credit I have for the next three years will be pointless?
16/03/2014 7:00 am
Not pointless as it all builds up a pretty picture but the td will lurk over all else until it drops off. Credit files are a funny thing, some people have managed to get mainstream car loans with a trust deed still showing up, others struggle to get a pay monthly mobile phone!
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
Topic starter
16/03/2014 10:34 am
Thanks man. Very helpful 🙂
16/03/2014 12:44 pm
no probs.
paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
