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Bad credit help and advice needed


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Dear All,

 

My credit file is shot at the moment, I have looked at my experian and equifax file and get some lovely conflicting stories from both agencies.

 

I have a score of 329 of equifax and 457 from experian.

 

On my Experian file I am showing a default for £158, which was during a time when I was out of the country and dealing with a family death. It defaulted on the 07/04/08 (sent to acto) and was paid on the 09/11/08. Is there any way of having this removed. Or will be on record for the next 5 years.

 

I also have 9 active accounts. I spoke to Experian today as one of these is at a 3 and they recommended to leave this open for a few months to balance out my history. My plan is to reduce it down to 6 active accounts. However I currently show on equifax 16 accounts and experian 21!

 

Now from know my situation I need some advice you wonderful credit experts.

 

1) Does a NOC every really get read?

2) Can old accounts be removed before 6 years?

3) Is there any point in trying to apply for my default removing due extenuating circumstances. If so who do I contact Acto or the original account holder?

4) how long is a default going complete marr my report i.e. will I stay at 400 mark for the next 6 years or may I go up by 100 each year?

5) Bad credit mortgages can anyone recommend one as I am with halifax and have read they wont touch you if you have a default on your file.

 

Thanks for all your help in advance

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