Hi, Any help would be much appreciated as I have just paid all but one of my existing debts. It is from a company called Next Credit, a pay day loan secured against income. The loan was taken out in June 2013 due to financial difficulty I started to miss payments straight away, I have just noticed the company has been recording the debt as late payment ever since until October 2017 when a default was registered, this means at this moment in time I will have to wait another 6 years until the debt is removed from my credit rating, effecting my credit rating for a total of 10 years, I thought defaults were registered within the first 3-6 months of the first missed payment. Does anyone have any advice they could kindly give me as I am worried this will stop me getting a mortgage. Many thanks, Charlie