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donuts2000

Hello can anyone help please 
I am in process of trying to clear up my credit file to hopefully be able to get a mortgage some point (not immediately hoping possibly end 2021)
I have noticed i have a defaulting utility account from a previous address. Default start date is 1/2/17 and still reporting monthly default now. I am going to get the default date queried as i believe should be possibly jan-march 2016 as last made payments oct 15. 
Is this likely to be accepted? 
Am i right in the 6 years is from date of first  default  even thought says still defaulting now?
Also i know the older the default is the more likely can still be accepted, it is only small £198 so i can pay it off to satisfy  anyway, so if the default date doesnt get agreement to change, what date would lenders take into account? If i apply for mortgage end of 2021 it would have been satisfied 1 year, and first default would be more than 4 years ago although still reporting it as default now. So would the age of default count from when i satisfy it?

Hope this makes sense. Just trying to now straighten up the last of the mess left by ex partner to get in a better position! Luckily everything else seems to have now dropped off! 

[Deleted User]

If you think the default date should be earlier, then ask them to change it.

But make sure you get it settled well before you apply for a mortgage.

sourcrates

An account/debt only defaults once, the information you see on your credit file is just a monthly update of that default, it will continue as such for 6 years in total.

Best to wait until its gone for the best mortgage deals.

Kiwistrawb1990

If your affordability is good you'll be fine. 
I had a satisfied default from August 2016 and successfully gained a mortgage with Natwest and am currently sitting in my own home having moved in 2 weeks ago.
Satisfy it but once you hit the 3 year mark post default, which you will have by end of 2021, especially as its only a utility, you'll be absolutely fine.