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Topic starter
18/02/2020 10:35 am
I completed my trust deed last month however while looking through my credit file I have noticed that an unsecured loan with Whistletree that was included in my trust deed has been shown as in default since the date I started my trust deed.
The account status is closed, but the details on my record show 5 years of default.
Why is this the case and should it be like that as none of the other creditors accounts show up in my file.
Anyone else had this problem?
18/02/2020 11:10 am
Hi Marsh1.
I'm not sure this reporting is unreasonable. The reality is that this account has been in default since your trust deed began.
The question is more what can you do about it now. Sections (6) and (7) in the following article will explain what you can do to ensure your credit file is updated properly after your discharge:
https://www.trust-deed.co.uk/repair-your-credit-rating.html
Have a read and let us know if you have further questions or concerns.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
18/02/2020 11:19 am
quote:
Originally posted by TDA (Debt Adviser)
[br]Hi Marsh1.I'm not sure this reporting is unreasonable. The reality is that this account has been in default since your trust deed began.
The question is more what can you do about it now. Sections (6) and (7) in the following article will explain what you can do to ensure your credit file is updated properly after your discharge:
https://www.trust-deed.co.uk/repair-your-credit-rating.html
Have a read and let us know if you have further questions or concerns.
Will do.
Thank you.
