Thats exactly what I'm getting at - the original default will be 6 years old, however only last month they reported a D status on the account, dated August 2010...so this is a D with August 2010 next to it... Will all of these default payment statuses dissapear when the default reaches 6 years old? Thx Jut

Hi Guys, Hope you are all well, and I must say fantastic site, really great contributions! This is my first of hopefully many posts! I have 4, unpaid defaults on my credit file that will become 6 years old in the next 12 months. As expected, I have a very low credit score because of this. I was wondering if anyone had personal experience of defaults dissapearing from your credit files once they have reached their 6-year age. Taking my Call Credit file as an example, this shows that Lloyds TSB are reporting a default status every month still, hence "carrying" the default on. It is clear this would probably continue, with them marking it every month, until a time when I settled it. Now, here's the issue: in 2006-2007 I was making some reduced payments to some of these accounts, however I since stopped doing this as was in financial difficulty. To confirm, since 2007 I have made no payments whatsoever towards these defaulted accounts. I have just been declined a mortgage with one provider, and went through the credit file data with the Provider over the phone, and she pointed out that this decline was because of the defaults, no surprise to me really. However, what I am now trying to understand is whether I could expect the defaults to come off my file in around 12 months time, since they will be 6 years old from the point of issue, OR if in fact I am looking at waiting 6 years from 2007, since this is the last time I made a payment to the said defaults. If this is the case, it would suggest I was better off not paying them a penny, since this contribution to the debt has actually extended the amount of time the default was on my credit file and as such significantly lowering my credit score for years further! Has anyone had an unpaid default come off after 6 years? That they have been paying or not paying? Any personal experiences highly appreciated! Thanks! Jut