From your experience

bigyellowsunflowers

My credit file is in a pretty bad way but in:
1 years time 4 defaults will drop off.
1 1/2 years time my last and final default will drop off.
2 1/2 years time 9 missed payments will drop off my report.
The last default and the 9 missed payments are only showing on my equifax report and the 4 four defaults are showing with all 3 credit agencies.
i am debt free now with everything paid off in full between 2020 - 2023. I have savings and an emergency fund in case anything unexpected happens. I’ve had a credit card for 1 1/2 years with a £2750 limit which I use for general spending and pay off in full each month. I feel pretty good about my finances and my relationship with money but I would like to have an idea when financial institutions will see me as someone they can give a mortgage to, rent to, give a mainstream bank account to based on other people’s experiences. I know everyone is different but I guess I want to know if the majority had to wait for everything to drop off their file first.