probably best to check with a company such as experia if it is actually showing on your credit report. I used them to tackle any outstanding debts and see why i was being refused credit. If it is still showing as a default on your report the traffic light system shows its status satisfactory means it has been dealt with and settled but red means it is outstanding - its sometimes best - if this is the case - to ring halifax direct and ask for them to close the case - i had to do this on a mobile phone contact - they are the worst for wrecking your credit rating!!!!