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Scottish Trust Deed Forum
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Topic starter
13/12/2012 2:32 pm
I'm back again...
After your trust deed is finished should your creditors date the account as satisfied/settled as the date of discharge or should it be the date the account went into default?
13/12/2012 2:38 pm
Hi Lorryjo1983.
I'm not 100% sure - none of us are credit rating experts.
My guess would be:
1 - Any default notices. These are already dated for when they were issued. They should be amended to satisfied or partially-satisfied when the debts no longer exist (your discharge). I don't think that adds a new date to your credit file though (but I might be wrong).
2 - Any balances showing. These should be set to zero as of the time of discharge from the trust deed I think.
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