Okay thanks for the information. I guess no hope for me then.

Default marker dates are 2013. My question is my credit score is currently 525 and l want to increase my credit score is there anything l can do like get those credit cards for poor credit could this increase my chances or contacting experian could this help my credit score as l am looking to get a new mortgage soon because l need a bigger house. So wondering if there is any hope for me because 3 years is a long time to wait if there are other options

Is they anything l can do to build my credit score like getting those credit cards for poor credit to build my credit score. Or could experian help me someone said if you sign up to experian they can contact the creditors and they will issue a certificate which goes on my file which will help build my credit score because l really need to get a second mortgage in the next year as family now bigger and l cant really wait for 3 years if there is any other way can someone help

Hi l am just wondering if anybody can help me. This is situation l have had a mortgage since 2007 and was fully employed. My problem started in 2013 when l defaulted l had financial difficulties as l was in between jobs this led to me defaulting on a credit card from Lloyds tsb which l had since 2005 the case was sent to the debtors but l have since paid it off, and also had a store card with next which l had defaulted in the same year but l have also paid it off and settled with them. And l also have one late payment on my mortgage since 2007 when l took out the mortgage. I have since paid off most of my credit and store and closed the accounts and now left with one credit card and store card which l am keeping to try and build my credit score. When l look on Noodle which credit reference website my credit score is 525 which is poor. I am now fully employed and back on my feet is there anyway l can improve my credit score as l have paid off outstanding debts as l am looking to get a new mortgage soon and l can not afford to wait for 6 years for my credit score to improve.