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help! first time using these forums... i have just checked my credit report for the first time in ages. i used noddle and have score 1/5 (lowest)

 

there are only 2 accounts on my report - bank account with no negative data and a default with o2 for a mobile phone contract. i've read here that defaults will not be shown on my account after 6 years. the default date with o2 is 15/03/2007. 6 years this march.

 

my question is, after march (and im guessing some extra time before the file will be updated), this default will drop from my account yes? should i expect my credit rating to score higher after this drops? will it have a big impact?

 

i've never had a credit card or store card. only previous credit was a loan from RBS which i now cant see on my noddle report (account was closed more than 6 years i think)

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Usually updated over night on the anniversary of the default, may be a little later if at a weekend.


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