I hope this is the right place to come to and hope someone can help me out and point me in the right direction as I am totally clueless as to what to do! I now have 2 defaults on my credit file. I renewed my credit report with Experian and am in shock at my credit score has fallen from almost excellent to very poor! :I Bascially I have 1 Default which is by LOWELL PORTFOLIO I LTD & has been satisfied on 08/03/2008. The details on there say the account was a Credit card / Store card but it was neither, it was them collecting a debit for Tmobile. I paid the full balance they had asked for but I need this default removed. Is there anyway I can have this done? I dont have any details of the tmobile contract, because they chased me 3 years after the credit agreement ended and I got scared into paying them & settled the balance of £1,207 - which was mainly made up of admin charges etc Default number 2 is by STUDIO Mail Order. It was my bad & I missed payments as my circumstances went bad. The orignal some may have been around £50, but is £123 (But Moorcroft are asking £143) . They have passed the collection of the debt to Moorcroft & I called them back & told them I will clear it on 30th Jan 09. The default is not satisfied as yet, as it was placed on 07/01/2009. I have made no payment as I will not have money until 30th Jan 09. Is there anyway I can ask them to remove the default if I clear the whole balance? I have 2 other account which are banks and are Satisfactory, and one other which is a credit card, but it has one missed payment. Please can someone help me out. I have viewed templates but they are talking about bank charges. Can someone help me out step by step.. would be really greatful