Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

What is a...

Trust Deed

A Trust Deed is a type of Scottish insolvency, in which the debtor’s assets are controlled by a trustee so payment can be arranged for creditors.

How do I check the status of my Trust Deed?

You can check which Credit Reference Agencies are reporting your Trust Deed by viewing your Multi Agency Credit Report. checkmyfile collects your data from Equifax, Experian, TransUnion, and Crediva onto a single report, ensuring you don’t miss anything important.

You can try it free for 30 days, then for just £14.99 per month. Cancel easily online at any time.

How long does a Trust Deed affect my Credit Report?

Any insolvencies, including Trust Deeds, severely damage your creditworthiness. They are harmful entries that stay on your Credit Report for six years from the start date. They will then be removed once these six years pass, and the record has been marked as ‘Discharged’.

Note that most Trust Deeds are ‘active’ for three years, but the entry on your Credit Report will still exist for six.

Trust Deeds are often preferred to sequestration (Scottish bankruptcy) by both creditor and debtors, as Trust Deeds are less costly to administer and are more flexible, although they are still regulated by the Bankruptcy (Scotland) Act 1985.

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