hi,
i have a default for a mobile phone bill on my credit file for a total of £117 which registered 8 months ago. I cancelled the contract and above the default on the credit file is a fully paid off account with the same company but that's another story! Anyway they won't remove the default and i was wondering how this will affect my applications for a credit card which i want for a balance transfer? Other than the default there is not one missed payment on anything else. I appreciate a number of factors are considered when applying for credit but want to know if that in itself would be enough to have me refused for any decent credit card rate?
any advice much appreciated