Partially Settling 2 mobile debts and possible removal from Credit reference agencies question

[ofcourseitsme]

Hi, new to the forums so hope this is the correct place to post.

 

I have a three debts that were defaulted in 2017 and 2018 due to illness.

 

A few years back they showed on my credit report. They show the default dates are May 2017, October 2017, April 2018. 

 

I want my credit rating to improve, so if I was to accept an offer of a reduced fee and the debts marked as partially settled after 12 months. Would the partially settled marks and all 3 debt get removed completely from my credit report after April 2024 as that is when the 6 years is up on the newest debt (im guessing if accepted all three debts would be rolled into 1 payment) 

 

I only want to partially pay off the debt if it 100% gets removed 6 years after the newest debt was originally defaulted. If it can be kept on there longer I may have to reconsider holding off and just wait till the debts are statute barred.

 

Any help would be welcomed.

 

Thank you

[dx100uk]

wont change anything .

 

what are the debts?

and are sold to powerless DCA's ?

[ofcourseitsme]

They were old phone contracts and these were sold to lowell some time ago. 

[dx100uk]

fake debts then, made of the unpaid contract months till end of contract.fca/ofcom both say those are unfair

 

simply ignore until/unless you ever get a letter of claim

 

dont ever pay anything.

the debts will vanish from your file on the defaults 6th birthday never to return, paid or not paying or not.

 

dx 

 

[ofcourseitsme]

Thanks for info, 

 

The first one should drop off may this year so that one should be removed in a few months

[fkofilee]

Even if you partial or fully satisfy the debts, they will drop off from the default date anyway. +6 years. 

It doesnt reset the time from a Credit File perspective. 

[dx100uk]

so a waste paying them. same result. as i said