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Hi, I am trying to get myself in a position where I can actually get some form of credit stream however the past mistakes are still haunting me and they are totally my fault. There are approx 6 defaults on my credit file which are stopping anyone from looking twice at me for things like credit cards, loads or even mortgages etc which has left me in a rather strange "trap". The defaults amount to approx £2k and the oldest one was last updated approx 4 years ago. Clearly there defaults are causing me a issue and I could really do with "fixing" them to give the most positive result to anyone who searches me. I have been leaving them in the hope that SB would kick in which is fine (unethical I know) however I need to secure a new home and these defaults are stopping anything from happening. What can I do ? ideally I would like to negotiated reduced payments in order for the defaults to say "satisfied" however if that does happen, will it really make that much impact to my credit rating and score? is there another strategy I could take? Thanks
