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credit report help

Hi
I currently have a debt of £3,500 and on my credit report theses are marked as a default payments as i didnt know i had these debts. Old address and an ex partner :(

Would i be better taking out a loan for the amount so that once there paid they will be removed after 60 days.
But it shows me having a loan of £3,500

Or paying these debts of slowly and eventually clearing them.
As the repayments will be the same as what i can pay these companies.

Thanks for any help or feed back.
This discussion has been closed.
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