Or is it easier for me to just leave the defaults to disappear next year ? Looking into it I think I know what the one is but looks the balance now is higher than the default balance is this right ?

Do not call them keep everything in writting.

Also check the other CRAs Equifax and Call Credit

they may give some clue to the original creditors.

To attempt to remove the defaults you need to

know this.

Thanks for the info, I had a loan when I was about 18 which be the bank account one but I have never had a credit / store card. Aktiv have never been in contact with me which makes it strange, if I call them will that then reopen the debts if they do turn out to be mine ?

Hope someone can help.

I recently was asked to get an experian credit report for my mortgage

the report came back with a decent 745

but a few things got brought up on it which has meant my mortgage being denied.

They are as follows ;

Aktiv Kapital account updated to:9/10/2011

Account type : Bank Started 13/07/2000

Default Date 11/01/2007 Balance £832

And

Aktiv Kapital account updated to : 26/04/2009

Account type : Credit card / store card Started 05/06/2004

Default 23/06/2007 Balance : £352

Can any let me know how to remove these defaults so can carry on with mortgage ??

I don't even know what they are for or connected to but have read that Aktiv Kapital regularly try it on.

Any help will be much appreciated. Thanks