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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.
Fail to pay your credit card debt, and the account will go delinquent, and then into default, Ulzheimer says. Defaulting on debt will scar your credit for at least seven years, and possibly longer if you file for bankruptcy or have a judgment placed against you, he adds.