Arrangement to pay v default

happy_bunny_2

Hello all,

I have an arrangemrnt to pay a catalogue debt that will currently take around 3-4 to clear at the current payment rates.

from what I understand, this will stay on my credit file for 6 years after that, so 9-10 years.

I don't plan on getting aby credit for 6-7 years until I buy a house, so will need a mortgage.

Question is, would I be better to default and then pay the same amounts so I have a settled default thus falling off my credit report earlier (6 years after default)

They have no valid credit agreement so can't take me to court, but its my debt and i will pay it.

Thanks!