Default/settled account clear up

greytdog_2

I have been checking mine and my partners credit files and wondered if anyone can assist. I went bankrupt in june 2010 so i assume my files will drop of the system in 2016, is that correct? If so i have files on my credit report that are good credit as they were settled with no late payments from 1997 does anyone know why this is?

My partner has various debts that were on a dmp and defaulted but his father paid off all but one. Will the accounts drop off 6 yrs from default? or 6 yrs from settled date?

hope the above makes sense.

Ineedaname

Anything showing a settled date prior to BR should drop off 6 years from the date on the file.

A few months after discharge you need to go through the credit clean up thread to make sure everything included in your BR is up to date, i.e. marked settled/satisfied as of BR date.

Your partner's debts should drop off 6 years after settled dates.

Hope that helps.

greytdog_2

just one more question - is settled different to satisfied and if so which is better?