Equifax credit report and defaults

Hopelessly_Hopeful

Hi

Can anyone help with credit report questions please?

I'm just coming upto a one year anniversary of being on a DMP and have checked my credit file with Equifax. I have 3 defaults registered in July 2010 (these are with companies who accepted DMP and gave me 0% interest. There is no history provided after July. Is this usual?

I think I read somewhere that you can only be defaulted once per account, is that correct or could they slap another on me at the end of my DMP?

Five accounts are marked "up to date."

Two accounts even though state am on a DMP (have never missed a payment) have marked "in arrears". Another two accounts are marked "arrangement to pay". I noticed a statement at the bottom of the page that states "The information will stay on your Credit Report for 6 years from the date the account was ended." Does this mean that even if the defaults were to 'fall off' in 2016 these "arrears" and "AP" will be on my account until 2020?

I would like to get a car and move house post DMP so would be keen to know. Helps to keep me going!

Any advice appreciated.

Thank you.

HHx

fermi

Correct. Only one default ever per account.

A defaulted account drops off your credit report 6 years from the default date regardless of anything else.

Non-defaulted accounts stay for 6 years from the date they are settled.

Hopelessly_Hopeful

Thanks for your response.

In relation to future creditworthiness for a mortgage do you know what the impact is of each of the statements AP/Arrears and Default on the credit score please?

HHx

FOURCANDLES_2

fermi wrote: »

Correct. Only one default ever per account.

A defaulted account drops off your credit report 6 years from the default date regardless of anything else.

Non-defaulted accounts stay for 6 years from the date they are settled.

Pleas explain
If a default is on a credit report it drops after 6 years of date put on?
Cj still collectible but again will drop off after 6 years?
what about an account which is on a credit file with no default notice and no recorded payment for 5 1/2 years when will that drop off?