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Question re defaults on my credit report


slgsue
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I know that after 6 years debts "drop" off your credit file so my question may sound stupid, but I really dont know the answer!!! :???:

 

I have a default date showing as 24/7/2005 and last update was 21/12/2008 (not sure why they updated then as I certainly did not contact them!)

 

The question I have is would the 6 years be up 24/7/2011 when I defaulted or would it be 6 years since the last update? I have a few like this and am hoping it is not the latter as a few defaulted accounts will drop off in the next 6 months which will be really nice lol!

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6 years from first registration...so 2011:-)

SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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Thats brilliant it will mean that in a years time 2 CCJ's (though one is marked as paid) will go leaving only 1, and so will 3 defaulted accounts! This will leave me showing on Equifax 1 defaulted account and my Welcome loan which will no doubt still be in arrears, and on Call Credit 2 defaulted accounts - 1 payday loan not showing on Equifax and again my Welcome loan and 4 other settled or well managed accounts, thats got to be an improvement!

 

The only other thing that bothers me is that on both these credit searches I cannot find my mortgage with Acenden on either any ideas?

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Perhaps Acenden have not reported on it, though I can't think why.

As to improvement to ''credit scores'' please be aware that these are for personal info and are not seen by lenders.

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