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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.
If you were to make a payment, essentially, it would reacivate the account, and then will remain on your credit for another 6 or 7 years, from the date of your most recent payment.It doesn't pay to pay old debt for this reason, and most creditors won't tell you that. Source(s): iamtooproud Â· 8 years ago. Thumbs up. have three defaults on my credit report. They were marked as default 4 years ago. If i was to pay them off now would they still go after 6/7 years or will the 6/7 years start from the date i pay them off.