Hi, I have recently changed to Santander after many years with Natwest and they suggested the 123 credit card. I couldnt see why not so applied and have been rejected. I have looked in to this more closely and it appears that i have a default payment on Equifax from May 2005 which was closed in 2007. It is coming up in black on checkmyfile.com and is a negative factor. The description is 'Communications supplier' however i cannot remember what this could be for. Nor have i had any letters for this chasing Payment. I have asked for a Equifax disputes pack from checkmyfile.com and am awaiting this. What can you advise me to do? Thank you in advance.