Is it worth paying a default ?

Emptysack

I have a few defaults on my credit file, 6 on my equifax and I haven`t checked experian or call credit.. I have read online that once a default is on your file paying it is of no relevance as it is still classed as a default and you will still fail most credit checks.

Just wondering if there is any truth in this...

I`m at the start of my debt free journey and this is the first thing I`m addressing...

Tixy

Usually the main benefit to paying off a defaulted debt is that it removes the risk of the creditor taking court action against you.

In terms of your credit file, satisfied defaults look a bit better than outstanding defaults.
To some potential lenders it could make a difference, but it is true that some lenders won't lend whilst you have any defaults visible on file (whether satisfied or outstanding)

B0B

Even though its defaulted they can still ccj you. Which means it's on from 6 years of the ccj