Best way to deal with debts in order improve credit score please?

wavefunction

Hello,

I defaulted on 3 credit cards few years ago back when I was a student, also owe some money to Vodafone and EE(~3000GBP all together). Wondering if it’s possible to improve my credit score and how long would that take? Should I just pay off all the debts and hope for the best or are there better techniques?

Thanks,
Andre

[Deleted User]

Don't worry about the score. It's not relevant in terms of credit or lending. Or anything else.

Clear you debts as soon as you can - highest rate ones first if you can't pay them all at the same time.

You also need to build better history, through sensible use of credit, rather than avoiding it completely..