Question about default after 6 years

muzzsjm

I have two defaults that are due to go past the 6 year period of being removed from my history. I have made no payments or acknowledged them they were both sold to Lowell. Basically left over from when I was younger and very silly with money.

My question is I know they get removed and come off view but does my rating and score go back up or increase when this happens?

I have a high interested credit card to build my rating and have been put on my partners credit and bills but things don't seem to be going up.

National_Debtline

Hi

Generally, when a defaulted account comes off your credit file it will no longer be having a negative effect. Your credit score is just a rough guide created by each of the credit reference agencies, but I imagine the number will increase.

The main point is that potential creditors will no longer factor the defaulted accounts into their calculations when they decide whether to lend you money.

James
@natdebtline