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Equifax can take several weeks to remove entries after their due date to drop off. So bear that in mind.
On the other CRAs they should drop off on time, or even sometimes before it with callcredit.
If they have dropped off on the report you see a lender will not see it either. They may however have other sources of info on things like past bankruptcies if they cared to check. e.g. the London Gazette.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
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