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receive the default notice in the past and are wondering how long it might stay on your credit file and if theres anything you can do about it lets look at this today and see what you can and cant do about the situation firstly what is a default notice a notice of default letter is a warning from a creditor that you have missed payments on your credit agreement typically a creditor will send this notice when youve not been making payments for three to six months it will ask for full payment and give you at least two weeks to catch up if you dont pay the account will default and you may be chased by a collection agency or even taken to court keep in mind that default notices can only be sent on credit covered but a consumer credit act such as credit cards personal loans and mobile phone contracts its important to understand what your credit file is everyone in the UK has a credit history and rating thats provides their financial history for the last six years this information mak