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Help/advise With Default Removal But Still Have An Open Account With Them...


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Hi guys first of all thanks for looking at my thread......


Just some advise on what to do really. I recently got turned down for a normal bank account! and I'm putting it down to my credit history and not my partners.

I have got some defaults on my credit report 2 of which will come off in the next 6 months or so as it would have been 6 years since the default date. So I'm not to bothered about them really as i won't be applying for a mortgage till around then.


Right now i have another 1 which was defaulted around the start of 2006 with o2. It is now settled... The total sum was £105!

As i said i would like to get a mortgage soon with my partner and if possible may try and get this one removed some how.

I currently have a mobile phone with o2 and have been paying it off on time for the past couple of years and not missed any payments at all. It is obviously not the same account as the defaulted one.

Now i don't really want to get heavy handed with o2 regarding this as they might close my current phone account down......

So any advice on what to do would but hugely appreciated.

Like i said the default is now fully paid and it does state satisfied next to the account on my credit report


Any help or advice pleeeaaaassseeeee.........



Ps. Sorry for the long winded story

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Hi again guy's


Just updating on my problem. Just got in contact with O2 and told them of my situation. Asked them nicely if as my account with them now is all up to date and have never missed a payment with them. Would they be so kind as to possibly have the default removed from my credit file. I stated that the default was for a small sum of 105 pounds. But the lady i spoke with even though she was very polite said that they could not remove it..... The only thing they could do was update it which they have done in the past as satisfied and that the only way they could do such a thing is if it was wrong in any way. Feeling a bit stuck now :sad:

If any one could give me some advise i would be much appreciated :confused:


Many thanks....

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