Defaults on credit file from experian are over 10 years old

pragnorok

Hi folks just wondering if someone could help with pointing me in the right direction. I have a couple of default payments on my credit record which are over 10 years old. I was under the assumption that these would have disappeared after 6 years but they still remain after 10 years. Could someone help with info on how I would get these removed please as Im a little confused as to how this works. Much appreciated in advance for any info thanks

[Deleted User]

How do you know they are 10 years old

pragnorok

hi thanks for the reply. They are all from 2008 the date the default occured. Its written on my credit report as I joined the MSE credit club:T

[Deleted User]

Then you need to write to the creditors and ask them to remove it

Who is it from and what type of debt was it?

pragnorok

Thanks for the reply Gary. I have asked the creditor to remove it but they have refused.
I was under the assumption that the default should have been removed after 6 years ? It was for a credit card and a loan.

[Deleted User]

What does the date of default show as on the entries?

Have you also checked all 3 of your credit files?