Hello Everyone. It is a long time since I have posted here and this hite really helped me get my finances under control. I was made redundent about a year and a half ago and now work for the minimum wage at Wilkinson, previously worked as a investment banker. I have now recently started going to interviews for vacancies in the banking sector and have been successful and have on occasion been given the job, however I always seem to get declined after the check my Credit Report. My Credit Report My credit repost is not great, I have the following I have 9 defaults and am on a Debt Management Plan with the Consumer Credit Counselling Services. I have now got some money saved and I can pay off half my 50k debt, mostly with the debt recovery agencies. When I spoke to my interviewer at Santander he said "You have defaults on your account, however you have some bad credit still in your name" - What did he mean by this? My Questions. 1. Will paying off my Debt improve my credit scoring even if I settle with a part payment which will be marked on my account. 1.1 Will paying off these creditors improve my chances of getting a job or will a default with no debt (all debt paid - but default still with credit reference agencies ) at all still get me declined for jobs in the banking sector? 2. Is there any way to remove the defaults from my account? 3. What jobs can I apply for in the Finance sector that does not require a credit check. Please Please! Any input would be appreciated. Thanks