Hi jc22 and welcome.

You're entitled to expect that default notice dates are on or around the date the trust deed began.

Anything that goes onto your credit file in a dated way will disappear around six years later. This includes default notices being issued and trust deeds being started.

Hi and thanks for the reply. My confusion is about the differentiation between the "Default Date", the "Default Satisfaction Date" and the "Partial Settlement Date". Should all entries disappear 6 years from the original "Default Date" rather than these later ones?

As for the TD - can you just clarify that it should be removed 6 years from the date it began, rather than 6 years from the end date or date of discharge? I hope so, because annoyingly the firm I used took nearly a year to officially discharge me, despite the fact that I never missed or delayed any payments and ended exactly on time.

I think each account will vanish 6 years after the default notice date jc22.

Yes - the trust deed will go six years after it started (not six years after your discharge or another event).

That is how I understand it too, jc22. Hopefully there may be other members who have gone past this 6-year point that could confirm this.

Thankyou both for the replies. As you say, hopefully someone who is 6 years or more in can confirm that this is the case.

Hi jc22,

Just to echo what Kevin and TDA have advised that is how I understand it to be also i.e. it's 6 years from the date of the default before it will fall of your credit file.

How does your credit file currently look, do you still have a number of creditors listed on it?

Have you applied to the high interest charging credit card companies for credit such as Aqua and Vanquis? We have heard on the forum that some people have been successful in obtaining credit with them.

My credit file looks different depending on which provider I look at! All creditors now have the accounts marked as satisfied, more or less, and I am currently working to ensure that all dates of default match the day I began my TD. Some of these are currently 6-7 months after. I am slightly concerned that the fact it took my trustee nearly a year to discharge me officially (for some reason) is going to be a sticking point, but fingers crossed it will just vanish altogether this coming October.

I have managed to get a credit card from Vanquis with a limit of £500. This is used infrequently and paid off in full at the beginning of each month. ironically, however, Equifax list this as a negative factor on my credit file as there is only a small amount of credit available to me! Sometimes it just feels like you can't win!

Hi jc22.

I can't see any reason why a late discharge will make any difference at this stage.

Getting those default notices backdated seems to be the key here. The ones that are dated 6 or 7 months after your trust deed began will remain on your credit file for 6 or 7 months longer than the trust deed does (if they're not changed).

Don't worry too much about what Equifax say are and aren't positive factors. Different lenders may or may not agree with them. Broadly, all you can really do is:
1 - Make sure the contents of your credit file are accurate.
2 - Make some responsible use of credit.
These things - along with the passage of time - should put you in a better position in the future.

I am currently trying with Noddle To have default dates reflect our bankruptcy start date 19.12.12

In addition, repossessed properties were not sold till after we entered sequestration, these I assume are the default dates showing. Should this be left as it is or adjusted and shouldn't the shortfall on sale amounts be satisfied as part of the bankruptcy??

Addressed on another thread RBSB.

Thanks TDA - got it.