Hi, I guess this topic already exists but I couldn't find a way to search the forum.

I signed a TD on 14 Feb 07 and was discharged on 14 Feb 08 when I paid the remaining balance off. My credit file with Equifax shows the TD but Experian doesn't - regardless of this both still show all the defaults. Even though they are all satisfied or part settled or whatever, and despite fact my scores are quite high (940 on experian), I had problems getting credit for a car last year (got it in the end). I have a Lloyds credit card and two mobile phone contracts all of which show perfect payment histories but I have not had a mortgage for a couple of years now - just wondering if I should hang on for another year until I clear the credit files up (will be at 6 year point then and all defaults occurred back then - nothing since), or, is there a lender out there who might consider me after 5 years? I am not in a position to go beyond 10% deposit. Sorry if this kind of question is not appropriate on the forum - just starting to think about life after the TD!

Thanks