As you have settled your defaults and they where a few years ago, you are obliged to request them to be removed as you have made a legal agreement with the lender to pay what is owed. As you have complied with your part of the bargain the lender has defaulted on thier side of the agreement. Send them a formal letter of complaint, and insert an invoice charge of £35.00 for YOUR time, with a time limit of 30 days for receipt of payment. Then send them 10 more letters AND invoice day after day until you have sufficient cause to take the lender to court for NON PAYMENT. You can then proceed to issue a credit file report for the lenders ignorance. It has worked for me. BUT you HAVE to follow it through, not do what lenders do Extort with menaces. Good Luck!!!:)