Bit of a thick question - re defaults

backinbusiness

Now debt-free but saddled with shot credit history for quite some time.

I understand that Defaults "drop-off" your file 6 years after the default date, but when I look at my file there is a string of "D"s month after month.

Does this whole lot literally just disappear after the 6 year period?

Thanks in advance for any help.

BiB

edinburgher

Evening BiB.

Yes, they should drop off completely after 6 years, everything. Just under a year to go for me, looking forward to it.

backinbusiness

cool thanks

has anyone actually experienced this phenomenon??

fermi

What phenomenon?

It's just what happens with defaulted accounts as standard. All details/history of the defaulted account are removed from your report 6 years after the initial default date.

boogiemaster

A default drops off after six years but Equifax made me wait an extra eleven days but Experian it dropped off bang on six years.

Equifax representative told me the software automatically deletes it after eleven days but on their site it says six years not six years plus eleven days?