Credit file after 6 years

getmefree

Hi everyone

Apologies if this has been raised elsewhere on the forum. In 2005/6 i fell behind on loan repayments and as a result had 2 defaults placed against my file. I am in a Debt Management Plan at the moment and am still paying these off, however i was wondering what my credit report will look like when the 6 years have passed - i,e, will default still be visible even though it has been 6 years? Will the balance be visibile?

The debts are now paid to DCA's so are no longer with banks - do the DCA's have the ability to place records on my file etc?

Thanks

fermi

The default and ALL details of the account will be removed. The default, payment history, any outstanding balance, the lot. No trace of the account will appear.