Appologies for the late reply , as i have been away Many thanks for the advice etc. As i would like to try and apply for a credit card at the moment i am being offered typical 34.9% interest cards i guess due to this being on my file. Would i be offered better cards after this has dropped off, or is this not the case. As i have never owned a credit card, the whole %APR is new to me. not to sound like a dinosaur lol. Alex

Many thanks for the reply's, I failed to pay the debt as i didn't have the finance options a few years ago, i received letters from debt recovery company's. the last of these came roughly 6 months ago,the usual MUST PAY IN FULL NOW! in big red letters, i have ignored these letters and not had any contact with the company's, nor have i paid anything since 2008. i understand i should have just paid the debt, in the first place.. but i didn't have the money at the time. i don't want to stir up the nest, i do hope it will drop off in November as that was the default date, fingers crossed Alex

I have recently checked my credit history through equifax. upon getting the report i noticed i have an outstanding debt from 2008. I cannot find who the debt is for and this is going to effect my credit score. it says the default was 11/2008 but updated in 2011, ..will this drop off in 11/2014 or in 2017? ( please see attached picture ) if i cannot find out how to repay it what can i do..any advide is very helpful. Alex