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Life after your Trust Deed starts here
From finishing your Trust Deed, to rebuilding your credit history, our guides walk you through the journey, one step at a time.
Note: the information contained in this Hub is intended for residents of Scotland. This guide is for general education and should not be considered financial or debt advice. Don't reside in Scotland? - Visit our IVA page instead.
Note: This information is intended for people living in England, Wales and Northern Ireland. It provides general guidance, and not financial or debt advice. Reside in Scotland? - Visit our Trust Deed page instead.
What you need to know about your credit history and Trust Deeds
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Rebuilding your credit score takes time
Coming to the end of a Trust Deed is a big deal. You’ve spent years working towards this point, and now you can hopefully start thinking less about the debt you’re leaving behind and more about what you want your money to help you do next.
When it comes to your credit score, it’s common to expect everything to change the moment your Trust Deed ends. In reality, your credit history, and therefore your credit score, will  update over time. This can be over several months or even years.
When it comes to your credit score, it’s common to expect everything to change the moment your Trust Deed ends. In reality, your credit history, and therefore your credit score, will  update over time. This can be over several months or even years.
Frequently asked questions
How long does a Trust Deed stay on your credit report?
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What should I do when my Trust Deed finishes?
How do I rebuild my credit history?
Why is my credit score still low after my Trust Deed?
Will I qualify for a mortgage after my Trust Deed?
Can I pay off my Trust Deed early?
Start building your credit today
Please wait until you've successfully completed your Trust Deed before considering Loqbox membership.
Improvements to your credit score are not guaranteed.
Missing payments to Loqbox or other credit accounts may harm your score.
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