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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.
How long it stays on your credit report: Defaulted accounts stay on your report for six years from the default date, regardless of repayment.Card closed in good standing. Unlike the above transgressions, an account that has been run well, with no defaults, would be viewed positively by lenders.ow long it stays on your credit report: Defaulted accounts stay on your report for six years from the default date, regardless of repayment.