Not necessarily. Defaults and the like fall of your file 6 years after the date they were registered. These defaults may not have their dates the same as your Trust Deed. I had to chase up a few of the creditors to get them to change the default dates. These were even different across the 3 credit reference agencies.

I ended up with a spreadsheet with each default listed, the details showing on each credit file and kept track of me contacting them about it. Time intensive but worth it in the end to get an accurate credit file.

Hi paul333.

Some good information from mapleleaf here.

Accounts will only fall off your credit file at the same time if the default notices are dated at the same time as the trust deed entry.

To put it another way, any "event" recorded on your creditor file for a particular date will remain there for six years from that date.

Thanks for the info. Can they refuse to ypdate the credit file? Is there a body or sample letter that can be sent to them to persuade them?

Hi paul333,

This article (and the links in it) may help you to understand when/why a creditor might need to make a change to your credit file.

You might find that it helps you to frame any communication that you send to them also.

https://www.trust-deed.co.uk/repair-your-credit-rating.html

Thanks TDA I'll have a look.