i unfortunatley have a CCJ which i never realised i have as i never really needed to see my credit report until i decided to look into a mortgage with my partner, obviously i was gutted as although my credit history is not the greatest the only 2 defaults on my report are the same thing and is an entirely different question. So my first questions is this CCJ will have been on my report for 6 years on 12/12/2012 i know its a funny date, but i would like to think in that time that both myself and my partner will start looking into buying again in which case i need to get rid, do i wait for it to drop off? or try and sort it out?
My second question is on my credit report i have a default from a silly credit card (barclaycard) i decided to take out and couldnt keep up with all my spending so needless to say it got frozen and i ended up having to pay a monthly figure to a company called Cabot financial, now on my credit report it says i have a default next to barclaycard for £1292 which was the outstanding balance however i have paid off this debt and so Cabot financial have put sattisfied next to where it says default, now although this isnt good its better than leaving it. My question is why have i got 2 defaults for 1 debt?