Defaults dropping off after bankruptcy

chadman2006

Hi All

Right here goes.

Looked at my credit file on Noodle (for free)

And one of the debts that was included on my bankruptcy is showing a first default date of the 7th October 2008. I was declared bankrupt on the 5th May 2009.

Now what I want to know is will this default automatically fall off my credit file on the 5th May 2015 (6 years after bankruptcy) or should it have already fallen off?

Keep getting told different things, so thought I would ask all the clever people on this site for an answer.

Thanks

fermi

It should fall off 6 years from the original default, so October 2014.

chadman2006

Well only have to wait a few more months to see if this happens.

Cheers

alastairq

...to follow on, I have all my 'defaults' pre-dating my Petition...[including an infamous Arrow Global, who have defaulted a debt they purchased from MBNA, which itself was included in the BR.]...what is the likelihood of defaulted creditors-as-were, changing the default date prior to the present date expiring? [IE, at the very east, to the date-of-petition?}

fermi

I had quite a few dated before. None of mine messed around with the default dates like that.

Hard to say beyond that....

alastairq

Thank you, Fermi.....am I being too cynical? Or, suspicious?

fermi

Not in the slightest.....