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Got my Trust Deed discharge letter

kelrick
kelrick Posts: 41 Forumite
in Debt-free wannabe
Finaly got my Trust Deed discharge letter.
so anyone no who i can improve my credit rating?
since i cant get a credit card (even one's for bad credit),

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    You might want to look at this http://forums.moneysavingexpert.com/showthread.html?t=1286063
    Its for IVAs rather than trust deeds but if might have some useful info.

    Have you considered a pre-paid credit card? These will report onto your credit report after 12months though they do charge a fee, but these are meant to be the easiest cards to get for people in similar situations to yours.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • kelrick
    kelrick Posts: 41 Forumite
    well so far so good.....
    went to the bank to change my EASY account to something different, and i got CURRENT account in seconds (normaly get refused)
    i have a pre-paid card.... i pay the £5 a-month and thats it (shame i got to wait a year for it to have a afect).
  • Tixy
    Tixy Posts: 31,455 Forumite
    Yes frustrating that about the prepaid card. Maybe try for another bad credit card in a few months time.
    Did you apply for more than one just recently?
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • gazman1976
    gazman1976 Posts: 8 Forumite
    kelrick wrote: »
    well so far so good.....
    went to the bank to change my EASY account to something different, and i got CURRENT account in seconds (normaly get refused)
    i have a pre-paid card.... i pay the £5 a-month and thats it (shame i got to wait a year for it to have a afect).


    I got my discharge letter this morning , anyone got any tips for me ???
  • kelrick
    kelrick Posts: 41 Forumite
    i havent tryed since finishing trust deed, to scared to try....
    i have ordered my credit reports, so i will wait and see what thy say.
  • gazman1976
    gazman1976 Posts: 8 Forumite
    kelrick wrote: »
    i havent tryed since finishing trust deed, to scared to try....
    i have ordered my credit reports, so i will wait and see what thy say.

    I have been informed that i should start contacting my creditors and advise them i have my discharge letter and the date of the trust deed so they can update my credit file, is this correct ???
  • kelrick
    kelrick Posts: 41 Forumite
    the poeple who delt with your trust deed should of done that before you got your discharge letter?
  • gazman1976
    gazman1976 Posts: 8 Forumite
    The people who done my discharge letter are hopeless so i doubt they have done that for me lol
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