What an amazing forum!
It is a bit of a maze for a new user to navigate to the correct area so I hope I am asking the correct question in the correct place.
I have a number of creditors, both secured and unsecured.
I have defaults across the board after running into financial difficulties over the past couple of years.
I seem to have turned a corner financially now and I am keen to clean up my credit rating; using creditexpert,
I have a 540 score which is 'very poor'. I have a couple of questions related to getting a better credit score...
1. I have