Default Removal - Does it help your score?

2 Posts
Hi Everyone,
My partner had a default listed on 29th October 2015, he settled it in 2018 and therefore I’m hopeful that it will be removed this month, with it being 6 years since it was listed on 29th October. Has anyone had any experience with a default coming off their report, does it make much of a difference to your credit score?
We really want to try to apply for a mortgage in principal with a mortgage advisor, his current score is average (Fair on Experian and Checkmyfile etc) so I’m really hoping that the default coming off will improve it.. Does anyone know roughly how much this will help or will it not make much difference?
My partner had a default listed on 29th October 2015, he settled it in 2018 and therefore I’m hopeful that it will be removed this month, with it being 6 years since it was listed on 29th October. Has anyone had any experience with a default coming off their report, does it make much of a difference to your credit score?
We really want to try to apply for a mortgage in principal with a mortgage advisor, his current score is average (Fair on Experian and Checkmyfile etc) so I’m really hoping that the default coming off will improve it.. Does anyone know roughly how much this will help or will it not make much difference?
Thanks in advance 

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The bank will look at the data on your credit report and do their own internal scoring which you don't see.
Don't pay for access to checkmyfile.
For free access use:
MSE credit club for Experian
Clearscore for Equifax
Credit Karma for Transunion