That's Great Markstone many thanks for your help!!! Please let me know how you get on with your situation Brigadier - Thanks for the sound advice, however we can but try Kind Regards Tommy

Could someone please give relevant links to letter templates and necessary tools required to attempt to remove. I am hoping that given the considerable length of time and the small sum of money involved they may lift it from my credit report. Any help much appreciated Many Thanks

Thanks for you response BRIGADIER2JCS , yes the default is showing as settled. I was hoping that given the default was 4 years ago and is settled, there may be some means of getting it off my report? It's causing me no end of stress. Thanks

Hi all, firstly can i say that i am a complete "noobie" to CAG and its forums so please go easy on me. Also i have been reading with great interest some of the posts by other users and find it very encouraging to see the comprehensive level of knowledge and advice offered with regard to consumer issues. Anyways here goes; After looking into my credit report with Equifax i find my credit score to be not very impressive and landing within the "fair" category. This is not good news at all. the reason for such a bad rating is i have a "default" marker relating to an old Barclays account which is no longer open. The amount is for around £300 back in 2008 where i had a series of DD's go out of my account at a time where i was struggling financially. The default is shown as settled a few months later but never the less the marker is there. All of my other agreements are shown as being in good order and up to date (everything showing green and saying excellent under their summary status) I am 24 and in regular employment (5 years same company) and have lived at the same address for many years being on the electoral role. Obviously this default from back in 2008 is making a mess of my credit score and in turn ability to obtain credit from the mainstream lenders. what are the chances of getting this default removed?, given that it is (a) Not a huge amount (b) Settled © From an old account closed back in 2008 (4 years ago) Any suggestions and advice on how to tackle this would be greatly appreciated as it causing me significant stress & sleepless nights. Many Thanks Bigtommyxx