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Hi all my credit file must be one of the worst in the country as i pay all my creditors £1 per month and am behind 4 months with the mortgage. I have several defaults but no ccj's. Will these be on forever i have sent for the cca's for most of my creditors and some have come back unsigned so written and said wipe the debt off please they say yes but it will remain on my file. when will it get better? I do pay the mortgage and secured loan every month now.

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