Will defaults be removed automatically after time limit

robti

Hi I have a couple of defaults that are now just over 5 years old (Scotland) will they automatically be removed or will the credit reference agencies hold them for the 6 year limit as in the rest of the UK

Thanks

happygirl148

Hi

it says on-line that they will stay on 6 years from the date of the default and then they will be removed automatically.


https://www.nationaldebtline.org/S/factsheets/Pages/12%20SCOT%20Credit%20reference%20agencies%20and%20credit%20reports/Page-03.aspx

fermi

6 years is UK wide for information on credit reports.

robti

Thanks I was under the assumption that it was only 5 years for Scotland and 6 for the rest of the uk.

Think I was getting mixed up by this
https://www.nationaldebtline.org/S/factsheets/Pages/23%20SCOT%20Time%20limits%20for%20recovering%20debts/Default.aspx