So to work it all out i have begun with my own details, and it is all ok really, some bad account action 2 years ago (which is correct, irritating but correct).
The main question that i have is that i have one default around 5 years ago, The account has been marked as settled and the amount was fully repaid. Is it worth my time to write to the lender and request nicely, that since I followed my plan with them to the letter and repaid the debt in full, could they remove the default. It was for a natwest credit card, and I cant really recall a default issued, but then it was a long time ago and I would suspect that they did.
So what do you think?
Whilst i work in the system i am not an expert in the system so if in doubt please see a lawyer or IP