Hello all,I'm new here and, havent got a lot of time as im on my lunch break so I hope I am in the right place and not breaking any rules.I had 2 defaults on my credit file that stopped being reported in june 2011. I use Checkmyfile.com and am unable to refresh my report until its a month old (on the 16th) so im here for some helpful advice.Will i see an instant increase to my credit score? I have since kept a perfect credit history, no lates or missed, all payed up on time with various credit cards and a catalogue to help repair. build my score.With these defaults unreported and a clear history, do you think I would struggle to obtain a personal loan? Obviously i know that you cant give me an definitive answer but your oppinions would be most welcome. thanks in advance