Question about credit file and items 'dropping off'

Alysie

Hi

I need some advice about my credit file. I'm desperate to try and get it to a 'good' standing as I'm going to have to re-mortgage early next year

I understood that items dropped off your file after six years, doing some research on the net a lot of people think that is seven years. Also, when does that start from? I have something that is
Account start date: 28th March 2000
Account closed on 11/09/2002

When does that mean it 'drops off'?

Any advice is gratefully received.
Thanks

fermi

How long will information stay on my Credit File?

Credit Agreements: 6 years from the date the account was settled, written off or defaulted, whichever occurred first

Alysie

So that means it should be gone from my file?

Its still there so I guess I have to write to Experian or someone?

GeorgeUK

I would give them a ring to see what is happening with it. Sometimes it seems to come off automatically on the day but other times i'm not sure if it requires manual intervention. They may do this at the end of the month or something, but there is no harm in asking.

meerkat2007

I'm not 100% certain, but I think the finance institutions update the credit reference agencies once a month - although, having said that, you would think that that one would have gone by now!