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  1. Hi all, I am new to this site and have been looking through lots of threads which have been really useful but thought I'd post my current issues. My partner and I have recently signed up to Experian and Call credit to see our credit reports and we've vowed to clear up our debts. My report currently shows 3 defaults - it is probably worth noting that the reason behind these was my partner had a motorcycle accident on boxing day 2013 and was unable to work for over 3 months so we had to try to manage on my income and a bit of SSP for him. Obviously, keeping a roof over
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