Great forum guys! I've recently found out that I defaulted payment with Vodafone when i cancelled a contract. Vodafone say they never recieved the letter, and I cancelled the DD 2 months after as I thought everything would have been dealt with. I then moved address, so did not recieve any correspondance they had been sending. To my horror I had a mortgage application rejected at the beginning of the week - due to this issue with Vodafone. I've now paid the £110 owed, and have sent a letter hoping they remove the default from my credit file. What I was wondering was.....how long does it take for the default to be removed, and will my credit score go back up as soon as it is removed? Cheers, Ian.