Default removal - from default date or last updated?

philpot24

Hi guys,

I've been checking my credit file and have a quick question re defaults.

Stupidly, I defaulted on a credit account back in April 2013 which has now been settled. The default is dated on my credit report at April 2013 and the last updated date is October 2016.

I understand that defaults leave your report after 6 years. Will this be removed 6 years from the default date (April 2013) or the last updated date (Oct 2016)?

Many thanks in advance for your help,

Philpot

System

The easiest way to look at it is that every entry in your credit file has a 6 year expiry date. So of you have an entry made in 2013 that would disappear in 2019, one in 2016 would disappear in 2022. They only ever get removed when they're linked if there's been an error.

[Deleted User]

From default - so April/May 2019

Carrot007

The entire account will be removed 6 years (ish, you know give it 2 more for updates!) from the date of default.

It's more concerning it has stopped being updated. Is it now paid off? (marked as satisfied?)

[Deleted User]

It looks like it..

"Stupidly, I defaulted on a credit account back in April 2013 which has now been settled."

philpot24

Thanks guys for your help. Yes it!!!8217;s been paid off now :-) guessing it must have been the last updated of October 2016 when it was paid