My Partner and i recently applied for a mortgage only to be refused due to her having 4 defaults on her account...all from 2008 and all from mobile phone companies. Last month we managed to get hold of these companies and pay off the outstanding balances and settle the accounts. we requested letters from these companies stating that the accounts are settled. after not hearing from them for 3 weeks we sent out letters we printed from the experian website saying we wished them to update there records and let the credit agencies know these accounts were settled. Is there any way we can speed up getting these defaults removed because we would like to be able to re-apply for a mortgage in 2 months time. ANY HELP WOULD BE REALLY APPRICIATED!!! Thanks!!!!