When is credit history cleared?

ladaowner55

Long story, I failed to make payments on a debt between these dates (see below). Point to note I have since cleared this debt up.

1st April 2014 until 1st may 2016.

When do the come off my credit rating?

1st April 2020

or

1st may 2022

Willing2Learn

That is a lot of months where you haven't made you payments. Has the account been defaulted (as it probably should have been)? If so, then the account will be removed from your credit files, after six years from the date of default...

ladaowner55

yes been listed as defaulted and satisfied .

What 6 years should it be from

April 2014

or

May 2016

basically is it 6 years from the first default or from the last default?

Willing2Learn

If you look at your credit files, focussing in on this specific defaulted account, then the exact default date will always be listed.

If you are saying the account first defaulted in April 2014, then it will be automatically removed from your files in April 2020.

ladaowner55

last silly question.

ClearScore says the first recorded default was April 2014, so come April 2020 my credit record should be cleared of all defaults?

Willing2Learn

ladaowner55 wrote: »

ClearScore says the first recorded default was April 2014, so come April 2020 my credit record should be cleared of all defaults?

Correct...