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Dear Richard, The default will stay on your credit report for six years from the default date, so it should disappear sometime during 2012. While lenders tend to concentrate on your most recent credit history when assessing new credit applications, a four-year-old default might still cause you problems.ear Richard, The default will stay on your credit report for six years from the default date, so it should disappear sometime during 2012. While lenders tend to concentrate on your most recent credit history when assessing new credit applications, a four-year-old default might still cause you problems.
Helpful to 0 out of 0 people. You need to know not only how long it stays on your credit report, but how long the statute of limitations is for collecting a judgment. The first one is easy: it stays on your credit report for seven years from the date of filing. The statute of limitations is an entirely different animal, and it varies by state. Say it's ten years.