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Hey. Newbie here.. Okay, Sorry this might be a long one as I don't want to miss anything out! So over the 26 years ive been alive I have got myself in a pickle; default city to be honest, mostly low-level everything combined is under 8k. I have just got a lump sum of money to pay off my debts to help recover my credit score so I can one day buy a house. Now checking my credit score I started going through one by one going to pay them off, I got to Lloyds and they have sold my 3 debts to two companies ( 1 is Credit Security LTD and 2 is Robbins way ), I have had these loans outstanding for 3 years or so and they have never contacted me ( got 2 letters from credit security but nothing from robins way ) i only found this out ringing up Lloyds, the default shows up on my credit file from Lloyds and that's it. Do I contact these people or not? I can't remove the Default either way so what should I do? and if I don't do anything that can happen, the amounts of these are £1525. £870.00 & £1800. This is where my second question comes in, my old phone contracts ( yes I was stupid ) have been sold to Lowell, now I never ever saw them as a threatening as they would send letter after letter and that's it nothing came of it for a few years ( back from 2014 2016 2017), stupidly when I decided to set up a DMP a year ago it classed as I made contact with them ( so resets the 6 year time frame ), now they have now left 3 defaults on my credit file, why is it under THEIR name and not orange etc like the Lloyds? I paid them £50.00 today and going to call up to pay a payment plan, I do have enough money to pay them all off today but is it worth it or just paying per month and keep some money aside? (it's 2400 altogether), now reflecting back on that should I of paid them or just ignore them as it would have got written off? Why have THEY put the default on my account instead of the business itself and not the other company that's taken over my Lloyds account? Why is my Credit file showing nothing of these other debt companies, if it is not on your credit report does it really matter? Sorry, I'm a little bit of a newbie at this! I know when default goes on your credit file it stays there for 6 years and there is nothing I can do about that.. right?