Ahh that's unfortunate. No mortgage for me for the next 5 years Thank you for your time and advice.

Thank you for your quick reply's.. sorry if it does not make sense, I don't understand it all. All these debts were run up and defaulted on when I lived down in London between 2007-2008 What it appears to me is that when the Debt collectors bought the debts From (3 , Orange and Capital 1) they started putting defaults against me until I paid. I have not applied for or had any credit since this 2007-2008 period so the "default dates" must be correct and the "account start" dates are when I setup the contracts and Credit card. Lowell £222 - Capital 1 Debt Account start date = 27/02/2007 - When I opened account with C1 account End date = 23/05/2010 - This date seems to be the date the debt was paid off Default Date = 11/05/2008 - The date my C1 account went into default Default marks From : Feb / 2009 > May / 2010 - Red dots on credit file indicating monthly defaults (Around when I paid Lowell) Arrow Global £99 Orange mobile Telephone bill Account start date = 05/04/2007 - date I started the orange contract account End date = 03/08/2011 - This date seems to be the date the debt was paid off Default Date = 20/008/2007 - The date my Orange account went into default Default marks From : Nov / 2010 > Aug / 2011 Red dots on credit file indicating monthly defaults (Around when I paid Arrow) Lowell £60 3 Mobile phone bill Account start date = 15/04/2006 - date I started the orange contract account End date = 22/11/2011 - This date seems to be the date the debt was paid off Default Date = 24/11/2007 - The date my Orange account went into default Default marks From : April / 2011 > Nov / 2011 - Red dots on credit file indicating monthly defaults (Around when I paid Lowell)

Hi All, Hope I can get some advice, I went through a bad period in my life 2006-2008 with depression, missing Payments to Orange, 3 and a capital one card. I moved back home in 2008 Stupidly leaving the debt behind. Until they started to catch up mid 2010. I have since paid them of after being scared into paying by them and moral obligation. But they have place defaults on my credit file during this period. All of these show at "Satisfied" I know I have been stupid and thought I was doing the right thing by paying only to find they put these defaults on my file for paying. But the default dates don't match up with the actual debt to 3 orange and capital one. Can anyone tell me is this is correct. Details. Lowell £222 Account start date = 27/02/2007 account End date = 23/05/2010 Default Date = 11/05/2008 Default marks From : Feb / 2009 > May / 2010 Arrow Global £99 Account start date = 05/04/2007 account End date = 03/08/2011 Default Date = 20/008/2007 Default marks From : Nov / 2010 > Aug / 2011 Lowell £60 Account start date = 15/04/2006 account End date = 22/11/2011 Default Date = 24/11/2007 Default marks From : April / 2011 > Nov / 2011