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macmonkey1981
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Back in November 2001 I defaulted on a credit card with Egg. The default amount was paid off in full years ago, and all this is correctly recorded in my credit file as 'Satisfied' (think it's only listed on the Experian one though)

 

All I wanted to check, and apologies if this is listed anywhere else, is when this info will no longer appear on my file as it's a pretty big roadblock to mainstream credit. As I understand it, the agencies keep the info for 6 years. So if I request my file in December this year will it magically be clean again? Or will I need to do some chasing with the lender to get the details off my record?

 

Also is this '6 year' timescale everyone quotes a regulatory thing, e.g. is it stipulated in the CCA etc.? Or is 6 years merely a guideline and they'll round to removing the info eventually?

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