29/02/2016 Default date - when does it drop off

Rondoten10

I know it doesnt really matter as its only a day or two either way. But after a long 6 year old slog this is the final default dropping off my file

So default registered 29/02/2016(leap year) - what date does it drop off my file.

adamp87

6 years after the fact. If you access a free report you may not see it until that updates, but it should update on the system automatically regardless.

Rondoten10

well yes i know that, but the leap year was my question- which date will it be 28/02 or 01/03?

Exodi

The reports you see are renewed on independent monthly schedueles.

For example, my experian report is generated on the 8th. If I had your default on the 29th - it wouldn't be removed on the report until the new report was generated on 8th March. This will apply to all the CRA's (though the particular date will be different).

For the avoidance of doubt, I'd just plan on the basis that all three of your credit reports will be clear of this default by 01/04/22.

Regarding your credit files, I don't think any of us can know for certain but likely instantaneously as I'd imagine this sort of thing is automated.

Rondoten10

Not if you do the statutory report it wouldnt 

Exodi

Rondoten10 said:

Not if you do the statutory report it wouldnt 

I'm not sure what you mean - but if you are providing your credit report to a third party, for whatever reason, then you would need to wait for your report to be renewed as per the monthly scheduele.

If a third party is directly performing a credit search on you, then it's likely to be instantenous.

Rondoten10

Transunion, equifax, and experian all offer a statutory report of your credit file on how it looks there and then, not through the free ones clearscore equifax etc.

Anyway we are digressing here

[Deleted User]

Exodi said:

The reports you see are renewed on independent monthly schedueles.

For example, my experian report is generated on the 8th. If I had your default on the 29th - it wouldn't be removed on the report until the new report was generated on 8th March. This will apply to all the CRA's (though the particular date will be different).

For the avoidance of doubt, I'd just plan on the basis that all three of your credit reports will be clear of this default by 01/04/22.

Regarding your credit files, I don't think any of us can know for certain but likely instantaneously as I'd imagine this sort of thing is automated.

The free one e.g. viewed through Clear Score will update monthly yes - they are a free site run by the CRA themselves, not a third party. The live report that they maintain (the one you could get free as a statutory report) will be updated more often

LaDerniereSemaine

Rondoten10 said:

I know it doesnt really matter as its only a day or two either way. But after a long 6 year old slog this is the final default dropping off my file

So default registered 29/02/2016(leap year) - what date does it drop off my file.

The correct answer is one day after the 29th, i.e. the 1st of March.

It also applies if the last day of the month in February is the 28th.

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