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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.
re: How long will my default stay on credit file. Yes 6 years from the date of default, whether or not you have settled the account. I made the mistake of trying to keep accounts out of default when I lost my job, it just delays the agony.e: How long will my default stay on credit file. A defaulted account, 'the default' can still be paid even when defaulted. In your case looking at your info in your oringinal post you have not paid the default amount (1735) it is not settled. The default date was 08/02/08 and so will drop off your credit file 08/02/14.