6 year default not gone - Equifax

keeleyuk

Hi everyone, I am new to this site and was wondering if anyone could give me any advice.

I had a default that was settled on 2 August 2000. Experian have removed it but Equifax have not. I have phoned up and the woman said phone back next week? I thought they had to be moved after 6 years.

Floss

Give them a chance, its only just the 4th!

keeleyuk

I thougth it was a system thing and it was removed automatically, I have been waiting for this day for 6 years. You are right I'll just wait.

Floss

have another look on Monday or Tuesday, it may fall off over the w/e.

keeleyuk

I'll try not to think about it until next week. Thank you

Daddyo

Whats the vibe with defaults ?

Ive got a few which were issued in 2004 when the doo-doo was hitting the fan.On CCCS at the moment.

Will they always be on my record, or will they drop off in years to come ?

loobyloo1980

They drop off after 6 years daddyo

keeleyuk

Yes 6 years, my credit rating has gone up about 400 points from Experian.

Daddyo

Bring it on !!!

So in theory, in another 4 years I wont be showing the defaults ? And I could go for a mortgage ?

I'd still be on CCCS so would expect to pay the extra interest.

You may have just made my Friday !!!

keeleyuk

I'm pleased. If you can build up your credit rating in the meantime. Catalogue or something. Small amounts, pay regularly.

LittleL_4

So it's possible to build your credit rating while with the cccs?

L
xx