One more question, just out of interest please.
Once those defaults are gone
my Credit Report will be left with
my mobile contract,
my bank account,
a low limit AMEX credit card (which I use to buy petrol and pay off in full each month),
utilities and
the mortgage,
all of which are in good standing.
According to Noddle who rate 1 to 5, I am currently a 1, being the worst credit risk.
When those defaults are gone
how long will it take for my rating to rise?
Will I ever be a 5 again?!