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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.
A default, satisfied or not, will stay on your credit file for a period of six years after the default (five in Scotland). They can to the best of my knowledge, only be removed if they were placed on your account without going through the correct procedure. 16th May 2012, 14:58:PM #3. VIP Member.