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Observation after a default dropped off
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stewartwilliams
Posts: 130 Forumite
Just had my final default drop off my credit reports as it reached the 6 year point.
Whilst I'm expecting nothing, did check my Transunion score and the default has been removed from that within a week.
My fake credit score dropped by 21 points due to me now using a greater % of my available credit (paid my credit card, although probably after the data was sent to the CRAs).
Anyway, it's good to see my record being a little clearer. Been a long time for this to happen due to my own stupidity
Now another 4 months until my CCJs drop off.
Some light at the end of the tunnel.
Whilst I'm expecting nothing, did check my Transunion score and the default has been removed from that within a week.
My fake credit score dropped by 21 points due to me now using a greater % of my available credit (paid my credit card, although probably after the data was sent to the CRAs).
Anyway, it's good to see my record being a little clearer. Been a long time for this to happen due to my own stupidity
Now another 4 months until my CCJs drop off.
Some light at the end of the tunnel.
2
Comments
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Well done for weathering the storm.
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I had a look at my latest Clearscore report yesterday and nothing has changed there.
Did have a load of "pre-approved" Natwest balance transfer / travel etc. credits cards under my offers, but they've all gone this morning.
Only the usual 118 and JarJar Vanta cards there.
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Well done on reaching your six year milestone 🙌🏼 I have two left, with the final one due off in Jan and can’t wait as you say to have a clearer record.0
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