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!!!!

Hi all,

I received a credit default notice due to missed payments on a halifax credit card. The reason being that I'm quite young, buried my head in the sand and was useless at keeping my admin in order. This debt was transferred to another company and has been paid up in full.

Other than this I have ZERO debts or obligations that aren't met and therefore I'm enquiring to see how I can have this default notice removed as this looks like it will severely blight my record which otherwise has been good.

Seems to be quite a bit of good advice on here so I'm hoping someone may be able to offer some assistance!

Cheers