Credit check default requires update

Adster86

Hi All,

Bit of an unusual question but I recently got my first free credit check from Experian a few days ago and noticed an old credit account I defaulted on and settled still has 'default' status where other accounts I had similar issues with are marked 'settled'.

I then noticed a template for requesting status updates/changing which should have them update it to 'settled' and not look so bad on my report?

The problem is the last update was on 08/2008, so according to Experian it will be removed from my record on 08/2014?

So if I request status change and it is approved, as it has been updated, will the 6 year period start again and so is it worth me requesting it at all or just waiting until 2014?

Thank you very much in advance for any help.

hondamad21

Hi Adster86,

I had the same situation.
The 'settle' info should make no difference.
The default should automatically drop off after the 6 year point.
If it doesn't then contact the credit ratings agency as ask them to remove it.