If your account has defaulted reasonably recently, this will appear under your ‘Today’ tab.
You can see this by logging into ClearScore, selecting “Report” and scrolling down to “Changes to your report”. These changes alert you to what will appear on your next credit report.
Alternatively, you can continue to scroll down to the "Factors on your report" section, where you’ll find “Things to improve.” If the information about defaults are no longer showing in this section, this indicates that they're no longer having a major impact on your credit score.
You should also be able to find the defaults in the 'Closed' section of the 'Accounts' tab on your credit report.
If you look through the 'Payment History' for each account, you'll be able to see when this account was settled/defaulted.
Please be aware, your account information stays on your report for roughly 6 years from the date the account was settled, written off or defaulted - whichever happened first. However, some data providers (banks, lenders etc.) will share this information with Equifax for slightly longer or shorter than this time.
It’s also important to note that if an account has been included in your bankruptcy/IVA/DMP, the lender should have marked the account as in default.
If you'd like to clarify any of your defaults, you may be able to add a Notice of Correction to the defaulted account. This is a 200-word statement that you can write to explain that the entry was included in your bankruptcy.
When writing your notice, please remember that it must be completely correct, suitable for publication and must not damage someone else's reputation.
Please submit this notice as part of our dispute form to Equifax: