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Scottish Trust Deed Forum
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Topic starter
08/08/2021 9:31 am
Hi,
Hoping someone can direct me here.
I made my last payment in April and received my form 5 in June, which is great! But when should I contact the creditors on my credit report to change from "in default" to the relevant status? Am I able to now, or will I have to wait until the trustee has been discharged?
Thanks,
09/08/2021 9:01 am
You don't need to wait until the trustee is discharged - your credit report should reflect your own status, ie no longer liable for the various debts. Having said that, I think in practice creditors will often need to be pushed to change the report at this stage.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
Topic starter
09/08/2021 10:24 am
Thanks for that Kevin.
Is it best to deal direct with creditors at this stage to sort this out first and foremost? Or just to raise a dispute to get this corrected?
Thanks,
09/08/2021 3:15 pm
Hi gibbo8907.
You should take this up with the creditors directly.
The credit reference agencies simply report what they're being told by your former creditors.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
