murpsoo
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Good afternoon, This is my first post so apologies if my etiquette is out! I have recently looked to improve my credit score. My history in the last 4 years is pretty good (2/3 late payments aside). However on my credit file I have 2 defaults (one is 4 years old for £1096, one 2 years old for £210). I'd like to clear these defaults off my account. I cannot afford to pay both straight up and have looked into a partial settlement. Can someone please advice me on the best approach to handling this debt? Is a partial settlement worth it? What will happen to the debt after 6 years? Will a payment plan clear the default? Thanks is advance, Murp
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