Credit score of 306, how can i improve it?

stamina9008

Hi, to be a little more detailed the score was provided by Equifax so im assuming that the germane score is accurate but i have three defaults, two at my previous address (Lloyds £768 - Defaulted May '09 and Capital One/Lowell £315 - Defaulted March '08) and one at my current address with Natwest for £1238 which defaulted in march of 2009.
I am on the Electoral Roll and for the past two years have been regulary paying Virgin Media for my broadband and have never missed a payment, i was also surprised that this would be on my report as it's not a line of credit, so maybe somebody can explain that? Plus for the last six months ive had the Classic Credit Card with Capital One, was given a limit of £200 and always paid back on time but have since closed the account because i feared that in the future i might default again, but i kept it all up to date and i was surprised that they gave me credit seeing as i have defaulted with them in the past, i also have one current account with santander, one basic cash account with santander and a basic account with the co-op.
Basically, i cannot afford to pay off the defaulted amounts, if i could i would but i dont see the point of opening up communication with them just to pay a very small sum each month because i'll get hounded.
How long will it be till these defaults come off and when would my score start improving again, i've sure bucked up my ideas and am never late but i was less mature when i made those mistakes in the past.
Thanks for listening ad any advice will be greatly received, have a nice day.
Jim

mdr86

How did you default? As in, did you just stop paying? If so, have your creditors contacted you about the debts? (these questions are mainly because I'm not too familiar with what defaulting involves, sorry!)

~Beanie~

Defaults will stay on your file for 6 years so you've got a while to go yet.