Hey, A few years ago I was getting some hassle from Lowell(?) about an old Barclays student account that had gone a bit out of control during my student days. I've been in Australia for a couple of years, and am due to return in January next year (2013). Before I left I made a note of the Lowell details and it showed a default date of 26/07/2006. Does this then mean, that if I were to check my credit report after this date I should no longer see the default? Or if it is there, I'd be able to write to Experian (I think it's with them) and ask them to remove it as it's been 6 years? Also, when this default is cleared, what then happens to my credit report? Will it look better from a lenders point of view (despite having no other form of credit - so not looking that great to them), or will they still know that I had a default account? BTW, this isn't so I can apply for a credit card/loan/od and let it go out of control - I've not applied for any form of lending since this Barclays account - but more because I'll be coming back and looking to buy a house with my savings and need to improve my credit rating to get a good mortgage deal. Thanks for your time and help. G