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Default drop off help

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hi i've checked my credit file and it shows my default will drop off in november 2013. After it drops off does my credit file go straight to good as i have no other bad credit marked on my file everything else is paid on time . How does one default effect my credit so bad?

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Hi creditor will need to see a good report for some time I have got credit over say the last 3 years and when the poor bits drop off next year I will be showing good credit for the last say 3 to 4 years. Is you only have say 2 defaulted accounts and when they drop off you will have nothing to show that you have had credit and had a good report for these creditors.



cannot find it A to Z





Halifax :D

Paid in full £2295


MBNA:mad: 20/03/2008 settled in full out of court


Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs


Littlewoods :-D

12/08/2007 write off £1176.10 debt.


JD Williams charges refunded in full £640

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