How do i get a full and final settlement

[johnclare60]

I have two unsecured credit agreements.

 

 

Clydesdale Finance default Aug 2010 Current Bal £3904

Pra Group UK Ltd default October 2011 Current Bal £4369

 

 

This info is according to my Equifax Credit report

Originally they were welcome finance and Barclays.

 

 

I have had no contact with them for over 4 years.

 

 

I want to get a mortgage in about a years time and so want to sort out my credit score.

 

 

ANy advice on how to get a settlement figure.

[dx100uk]

why settle that wont remove the default

or help you any.

 

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

.

NOTE: {the bracketed text is not ICO guideline but my advise]

 

 

might be better to wait.

 

 

dx

[johnclare60]

if I settle though in six month wont the defaults have been removed from my credit report

[dx100uk]

paid or not a default is there for 6yrs

read my post carefully and properly

[johnclare60]

Sorry. Thank you