default expiring

richierich007

as the topic says
my 1 and only default is 6 years old on the 10-9-2013
and boy im looking forward to that droping off
this has been a lesson learnt always at least pay the min
so will I notice any overnight difference on my credit file
all of my current cards are upto date v healthy limit and owe very little on all on 0%
I was on a Barclaycard premier league card but they have now moved me onto a platinum card would you call that card a card for excellent ratings ??

fermi

richierich007 wrote: »

so will I notice any overnight difference on my credit file

They are removed slightly differently depending on the CRA.

Callcredit may remove it before the date. They did all of mine, and some others have reported the same.

Experian should remove it at midnight exactly on the 6 years. That is the way their automated systems do it if they work correctly.

Equifax will probably leave it on there for a few weeks before reluctant taking it off.