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When will this entry drop off?


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Sorry if this is obvious.

 

I know a credit entry drops off your account after 6 years but when does the 6 years start?

 

Does it start from the default date, last payment date or settled? (the settled date I have is actually from when Lloyds sold the debt to a debt collector. I just want to know when the debt will/should drop off.

 

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Correct the file shows the date of the default not the date of the cause of action,

ie last delinquent payment, so SB date will be some time (up to 6 months before the default date).

Some CRA's will show last delinquent date.

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