Hi guys, I hope this find's somebody well and they can assist me in some way shape or form. I have never really given my credit much of a thought but never had the intention of just ignoring debts. I had a slight issue with Wonga over the past few years ending in around 2011-12 were i was borrowing roughly £1100 per month paying it back on pay-day and then re-borrowing. I ended up getting into a bit of a mess that i couldnt pay them back so i entered into the wonga repayment schemeicon after contacting them. I have done this twice now in past and now im pretty much completley debt free apart from a car finance that is up to date and will be paid off in a year. The main issue i am having is that i am refused credit for everything. I have 2 defaults against my name from wonga. Is is right that i have these defaults on my account even though i had never missed a payment with them and they were paid off in full? It seems slightly unfair that i am stuck with poor credit given i never missed a payment date. Is it something i can look into getting reversed if i contact xperian or wonga? I really want to improve my credit but im refused on everything even vanquis! even when i am earning over £34000 a year! Help

sorry i posted this in the wrong section, I will create one in the correct section :O

Hi guys, I hope this find's somebody well and they can assist me in some way shape or form. I have never really given my credit much of a thought but never had the intention of just ignoring debts. I had a slight issue with Wonga over the past few years ending in around 2011-12 were i was borrowing roughly £1100 per month paying it back on pay-day and then re-borrowing. I ended up getting into a bit of a mess that i couldnt pay them back so i entered into the wonga repayment scheme after contacting them. I have done this twice now in past and now im pretty much completley debt free apart from a car finance that is up to date and will be paid off in a year. The main issue i am having is that i am refused credit for everything. I have 2 defaults against my name from wonga. Is is right that i have these defaults on my account even though i had never missed a payment with them and they were paid off in full? It seems slightly unfair that i am stuck with poor credit given i never missed a payment date. Is it something i can look into getting reversed if i contact xperian or wonga? I really want to improve my credit but im refused on everything even vanquis! even when i am earning over £34000 a year! Help