when exactly do defaults come off the 3 credit reference agencies files.....?

lobbyludd

I have a default that was registered 6 years ago today.

I settled it in full 1 year later when I became aware of it. The record disappeared from my credit file for call-credit last week, but is still there for experian and equifax. does anyone know when they will get rid of them (or if a credit application goes in shortly will they already be invisible to the company checking?)

thank you!

Tixy

It is 6years after it was registered. Equifax certainly lag by a week or so before it disappears. I didn't think experian normally did lag, might go tomorrow?, hopefully if you generate a new report in a few days it will have gone from there as well.

AndyLGR

Is it the complete record of the account that disappears after 6 years or just the default?

Tixy

Complete record of the account as well

Experian_company_representative

We remove defaults at midnight after the six-year anniversary of them being registered. So it should have gone now.

James Jones