How can i get rid of a 'default' on my credit file?

I recently discovered i have a default on my credit file which is preventing me from getting a mortgage through a reputable lender.

The default is over a mobile phone contract for 100 quid which i simply stopped paying as they wouldnt give me any option to terminate the contract when i temporarily moved overseas, and since i had moved i didnt receive any of the warning letters.



I have sent several letters asking if the default can be removed given the circumstances ( and i have paid the full ammount owed) but the phone company insist they will not remove the entry.

i can get a shady mortgage through dodgy firms ok but i feel this is unfair since this default is the only blot on my credit file and i refuse to be forced down this route.

any similar experiences?

would i have been better off settling the account by some other means than complete payment?

thanks for any help or advice.How can i get rid of a 'default' on my credit file?
the best way is to wait for it to expire. I am not familiar with the laws in the UK but I am sure they are similar to in the US. Here, the maximum time anything can spend on your report is 10 years (judgements and serious repossessions) and other things last 7 (bankruptcy and most loans) or even only 5 (this is for things like checking accounts)

If you paid the balance in full, your report should indicate that. But you cant make them remove the delinquency from your report.

villa rental in cancun

raising a kitten