Hi Sparky,

Thank you for the advice. I check my credit report every few months and too be honest there needs to be a great deal of improvement before we will be accepted by a high street lender again. I have three years until all my defaults would have disappeared. Some of them are in two years but a couple are the end of 2012. Our current mortgage deal ends in November and after looking at all the details, they say their SVR is 2.00% above the base rate which is a good improve on when I took out the mortgage.

We've decided not to remortgage in November and have sent all the cheques off this week to pay the outstanding £2.5k of our debts. Even though I know it won't improve my rating now, it will over time and thats a great achievement for me. But we will need to move at some point next year to a bigger house so we'll have to see what situation we are in say in six months time.

Thank you for the advice

Gemma