When will my dfaulted debt be wiped from my credit file

[Deleted User]

Use the MSE Credit Club for Experian

https://www.moneysavingexpert.com/creditclub

Different lenders report to different CRA’s so data may well be different and you may not be seeing “everything”.

So on noddle how does the account show? What makes you think it’s not paid and closed/settled?

cchurchill1986

On Noodle It says that it's current status is 'Defaulted'

Just signed up to the Experian one and it says 'DEFAULT/ENDED'.

cchurchill1986

I mean to say on the Credit club, not Experian

[Deleted User]

On Noddle is it listed under the Open Accounts tab or Closed Accounts tab?

On MSE Credit Club I assume the account sits under the defaulted tab.

If you click on the account does it show an account settled date?

macman

All that prospective lenders can see is your credit history. That is what matters. Not a made up score.
If you cleared the debt in 2014 then it will drop off your credit history in 2020. The default should now be shown as satisfied.