Its only possible to get a default removed from your credit file if you can prove it was added in error or are in dispute with the creditor. For example, if you feel you made the payments on time or within a payment period or you didn’t receive a notification from the creditor of missed payments or a default notice. A default will normally be automatically removed from your credit file 6 years after it was registered. If the default is valid, but you have since paid off the debt, you can ask the credit reporting agency to update your credit file to show that the default has been satisfied. This will not remove the default, but it will show that you have taken steps to address the debt. If the default is valid and you have not yet paid off the debt, it is unlikely that you will be able to have the default removed from your credit file. Defaults can stay on your credit file for up to six years, so it is important to address the debt and take steps to improve your credit score over time.