Trust Deed Forum - The magic 6 years!!
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 The magic 6 years!!
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Zoomer987
New Member

4 Posts

Posted - 08 September 2018 :  15:48:05  Show Profile  Reply with Quote
Can you advise please when my credit file/history is wiped? I know that it is 6 years, but is this 6 years from date of TD being signed or 6 years from registration as a protected TD or 6 years from debtor discharge date, or 6 years from Trustee discharge date?

Thank you

fcwalker
Advanced Contributor

126 Posts

Posted - 09 September 2018 :  09:07:45  Show Profile  Reply with Quote
It's either the date you signed or date becomes protected. I was in trust deed for 7 years (just been discharged) I checked my credit report a few months ago and none of my original debts were showing.
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jojo93
Advanced Contributor

60 Posts

Posted - 09 September 2018 :  15:49:01  Show Profile  Reply with Quote
Think on the bright side might be a good Xmas for those on this forum waiting for answers fingers cross for an answer sooner hope those waiting will get there cheque
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jojo93
Advanced Contributor

60 Posts

Posted - 09 September 2018 :  15:58:43  Show Profile  Reply with Quote
That message was meant to barcardibill
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TDA (Debt Adviser)
Trust Deed Expert



12536 Posts

Posted - 10 September 2018 :  09:19:15  Show Profile  Reply with Quote
Hi Zoomer987.

I believe it should be six years from the date the trust deed began (when you signed it).

Your credit file isn't going to get wiped six years later. There's just a steady fall-off of entries in your credit file when they reach the six year point.

Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds    
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