Make sure you have the first default date as the date when the TD became protected and it will fall off 6 years from that date.

That's right MichelleG.

Anything that goes onto your credit report goes away six years later.

This includes the issue date of a default notice.

So it goes by the original default/ TD start date then ? And not the settled date ?
I find the whole thing very confusing, it was bad enough waiting 14months and lots of fighting and involvement with AIB to finally get the discharge and then for last six months trying to make sure all the companies marked the debts as satisfied, capital one were by far the worst and had to go through a third party company, three mobile were the best and was getting regular phone updates from their customer service and couldn't be any nicer to me
Just want to put it all behind me and focus on getting married next year

Hi MichelleG

Just to confirm what pingpong said - in answer to your final question.

The Default date is the key date. All defaults should be the date of signing of your Trust Deed. Sometimes they are entered a few weeks later and it is not worth the hassle to get them changed.

Trust Deed signing date = default date.
Accounts fall off six years after the default date.

Hi MichelleG.

My understanding is exactly the same as Firewalker's.

It's the Default Notice issue date that's of concern, not the settled date.