Yes they do

this is what I’m thinking. Getting a credit card and using it for something little like fuel. Paying it off each month and seeing if my score increases. I don’t actually have anything of credit the moment except a phone contract

Really??

Thank you so much for your guys help. This is the issue I’m having that many websites say it’s either 6years from the default date or when I last contacted them. It’s frustrating because I’m now in a really good place financially, I don’t owe anymore money to anyone. But yet my credit file is shocking because of these defaults. My hope was by next year I could start building my credit rating up again once these defaults had gone but this may not be the case

Hi sorry if this is in the wrong place. I’ve researched but have read 2 different options and was wondering if someone knows definitely. I defaulted on my credit cards in 2017. I paid into an IVA in 2019 but after loosing my job the IVA was cancelled and i contacted the debtors myself and paid £5 a month to each of them. Fast forward to 6 months ago I got some advice did TONS of research and managed to get all the debts written off for various reasons. my question is will these defaults come off my file after 6 years or will it be from the last time I contacted them. Thanks for reading