Question about a default

amit08

I have 2 defaults that are quite old. One is over 5 years old and one that is over 4 years old. I have known about these for some time. One is outstanding and one is closed. They both show up on my Callcredit credit report. They have previously shown up on my Equifax and Experian credit reports. However, I checked today and cannot see them anywhere on either of the reports. They have been there as recently as the beginning of this year. Is anyone able to tell me why this would be? Does this mean if I can't see the defaults on my report, prospective lenders won't be able to either?


Thanks for your help in advance.

sourcrates

Hi,
They will automatically fall off your file after six years regardless of whether they were settled or not, sometimes an entry is supressed from your file, if some kind of dispute exists, that is on-going, other than that I don't know.

amit08

sourcrates wrote: »

Hi,
They will automatically fall off your file after six years regardless of whether they were settled or not, sometimes an entry is supressed from your file, if some kind of dispute exists, that is on-going, other than that I don't know.

Thanks for your reply. I actually asked this question in the credit ratings forum too. A few people were baffled there too!!

National_Debtline

amit08 wrote: »

Does this mean if I can't see the defaults on my report, prospective lenders won't be able to either?

Hi

If the defaults have dropped off your file because they were put on there over 6 years ago prospective lenders will not be able to see them either.

James
@natdebtline