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Topic starter
21/03/2013 9:34 am
hi there can anyone help in regards to my credit file.i have four defaults showing but would like to know if they get wiped out after 6 years or do they still remain until there settled.some say account closed in years 2007 and 2008.cheers for any help.
21/03/2013 9:38 am
Hi golf20.
Our understanding is that they'll stay there for six years from the date they were registered.
If the registration date is after you signed a trust deed you should be able to get the dates taken back (which will mean they drop off sooner).
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
21/03/2013 9:42 am
ok cheers for that.some oh them are showing a date a couple years before i signed my trust deed but was having problems before that anyhows.so do i have to write to the companies and credit agencies to get that removed then.thanks for your help by the way.
21/03/2013 12:50 pm
Hi golf20.
If they're dated before your trust deed I'd just leave them as presumably they were properly issued at the time and will drop off your credit file sooner.
If you have default notices registered after the trust deed began you'll need to contact each of the lenders individually to request that they make amendments. You'll then need to monitor the credit reference agencies to check that it has been done.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
Topic starter
21/03/2013 1:18 pm
cheers and thank you very much for your help.very much appreciated.this forum is excellent.
