I would welcome any advice.. My credit rating shows 999 (excellent) however i have one default account with santander credit card dated 12/01/2012 for £7286. I made an agreement with them and cleared an amount. however the outstanding balance still shows as a default (£1439) Now, I am looking to switch my mortgage deal, it is currently with santander also and will remain with them on a better rate. Obviously having a default with the same company as the mortgage may prove the stumbling block to getting a better deal. Am i best trying to pay the remaining debt? does it change from default? will the mortgage part of santander look at that in a positive light? Any advice would be great. Thanks Rob