Credit report

[a4cabrio]

I've been checking my credit report and while despite some problems in the past I do have a decent score, I defaulted on a car finance loan 7 years ago, I had some personal problems and fell behind on the repayments, the company lodged a default on my credit report, the loan was fully repaid and has been for 6 years now. Is there any way I can get the default notice removed or does it stay on file for as long time goes on??

Any help appreciated

[Sarnie]

It should drop off once exactly six years has passed, what date does your report say the default was recorded?

[a4cabrio]

Sarnie said:

It should drop off once exactly six years has passed, what date does your report say the default was recorded?

Thanks, it was a few days since I last checked I've just checked and the default is gone, it seems like my report has updated recently as a couple of new things have now come on such as my credit card and it's showing my car loan has just finished.

[Sarnie]

a4cabrio said:

Thanks, it was a few days since I last checked I've just checked and the default is gone, it seems like my report has updated recently as a couple of new things have now come on such as my credit card and it's showing my car loan has just finished.

Et Voila!!

[a4cabrio]

Thanks Sarnie, just a last quick question, the only "negative" now on my file says I'm not on the electoral role, which I know I am as I filled out the form when it arrived from the local authority and I also voted in the recent European and local elections we had, any reason why it still says I'm not on the electoral role??

[Sarnie]

Local authority not updated them............

[P-Jay]

I believe these days it's possible to be on the electoral roll without your details being published - I also don't appear on the roll, but I always get a voting card.