Even if the debt is challenged and it turns out they can't provide paperwork to prove it?

Understood. These were all taken out post 2007 So if I understand correctly, I could potentially fight these defaults and have them removed if they can't come up with the correct paperwork?

Thanks for the welcome and getting back. The last correspondence was an offer I received from Lowell last Wednesday (I can't recall the amount). I moved address around march 2016 and since then yes, my current address is showing on the credit report. With Lowell it's a vanquis credit card and littlewoods credit, with 1st credit it's for an aqua credit card. Noted, I will start doing that from today. Can I ask what the purpose of keeping things filed would be, will it help me in the future for any reason?

Firstly I would like to apologise if this information is already somewhere and I've missed it! I currently have the following defaults (shown on my credit report): - Lowell: £733 (Date of default 02/01/2013) - Lowell: £660 (Date of default: 28/02/2013) - 1st Credit (Finance) Limited: £ 904 (Date of default: 16/07/2013) I remember receiving a lot of discount letters in the past which I simply threw away, now however, I want to address the issue and finally get my credit score back into shape by settling them all. At the moment, I'm seeing a ton of different routes like stepchange, requesting CCAs etc - I'm just not sure where to begin and would really appreciate some guidance.