Petition · HM Treasury
Mandatory caps on how long defaults can appear on a credit report
Open for signatures
24 signatures
What the petition asks
Introduce new caps on the length of time a default can stay on your credit score depending on reason. Some people end up with defaults on the score due to unforeseen illnesses and resulting in being out of work and then struggle to get back on the ladder
I think the people who are ill or need emergency care who have worked all there life to build a good credit score can have it ruined from one default that stays on your report for 6 years resulting in people finding it harder to get a mortgage, car and finance etc when it was no fault of their own.
Timeline
| 20 Mar 2026 | Petition opened for signatures |
Key facts
Signatures
24
Status
Open for signatures
Department
HM Treasury
Opened
20 Mar 2026
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Source: the official petition page. Last checked 26 Jul 2026.