FAQs
Straight answers to the questions we get asked most, each with a short video.
Equifax and Experian are separate credit reporting bodies. Not every lender reports to both, so each one can hold different information about you. They also use their own scoring models and scales: Equifax scores run from 0 to 1,200 and Experian from 0 to 1,000. That's why the same person can get two very different numbers. What matters most is what's actually listed, so check both reports for errors.
Sometimes, yes. A default can be correct and still be removed if it wasn't listed properly, for example if you weren't sent the notices the law requires before it went on your file. A creditor can also agree to remove a default, especially if it happened because of circumstances outside your control like illness, job loss or a relationship breakdown. It's never guaranteed, and we'll tell you honestly in your free assessment whether yours has a real chance.
A higher score helps, but it isn't the whole story. Lenders look at your score alongside your full credit report, your income, your expenses and any debts you already have. A good score can make approvals easier and get you better interest rates, but a negative listing like a default or court judgment can stop an application even when your score looks okay. The best thing you can do is keep your file clean: pay on time, don't apply for credit too often, and fix anything that's wrong.
A debt is simply money you owe. A default is a listing on your credit file. A creditor can only list a default when a debt of $150 or more is at least 60 days overdue and they've sent you the notices the law requires. Paying the debt doesn't remove the default: it's updated to "paid" but stays on your file for five years from the date it was listed.
Seen on TikTok
Quick tips that took off on TikTok. Follow us @wipecreditclean for more.
Get a free assessment. We'll tell you what could be removed, with an estimated success rate, fees and timeframe.
Free download
How to keep your credit file healthy
Our free one-page guide. No sign-up needed.
Keep Your Credit Healthy
6 tips, how long listings stay on your file, and what can be removed.
Download PDFWant a personalised look at your file? Get a free credit assessment