When will this come off?

ashp_2

My credit report is regarded as "good" and I have a score of over 500 on Equifax which I know is pretty irrelevant .

I have 1 default on my credit report from a joint account with my ex back in 2009. It was only like £10 overdrawn but I guess a default is a default if your 10 or 10000 in debt!

I was under the impression this would clear from 6 years after the default which as you can see if my image works was in April 2009. On my report the default date is blank and the default balance says 0. Why is there no default date? It's got date satisfied 25/09/2009 will it come off after this date in 2015??
[URL="[url=http://postimg.org/image/lhyfqgr9l/][img=http://s12.postimg.org/lhyfqgr9l/Screenshot_2015_08_28_10_27_30_1.jpg][/url]"][/url]

Many thanks.

fermi

That image indicates that there was never a default recorded. Just late payments /arrears reaching 5 months worth in April 2009, which then reduced with an eventual settlement in Sep 2009. Which tallied with the settlement date you give.

So the account should drop off your credit files at the end of Sept 2015 (next month), or within a few weeks of that on Equifax.

ashp_2

Ahh interesting I guess it would have a red "D" for default now you mention it. 6 years of looking at that on my file nearly over!

Thanks for your reply.