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Inertia Creeps

Defaults on credit file

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Hi

I'm new to this site and finding my way around, although there is so much information it's a bit overwhelming but I am wondering on whether anyone could help me.

I have a few defaults on my credit file due to getting into debt. These defaults are from 2005.

I know it takes 6 years for them to come off my credit file, but does this mean that after this time I would be able to apply for credit and be successful?

I'm still paying off a Barclayloan through Payplan but if I'm still paying it back 6 years after I defaulted, what is there to stop me paying it back after the original default has dropped off my file? Surely I must still be liable for paying back the debt?

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Guest Old_andrew2018

The default will have dropped of years after 6 years, you might still be paying, if you stop then IMHO they will default you again.

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