Improving Credit Rating and Mortgage

freddie2020

Hi,

I went on a credit card / loan / overdraft binge a few years ago.
Credit report is getting back on track.

02 Contact - no missed payments 5 years (I know phone contracts are irrelevant)
Halifax Current Account - no O/D - have not gone negative ever in 5 years
Capital One Credit Builder - 13 months under 30% limit, paid in full each month, no cash withdraw.
Clear score - 818 / 1000

Have 2 Defaults still under 6 years, waiting to drop off:
HSBC O/D  - Aug 23
Barclays CC - Jan 24

Currently in a DMP - and am in a position to clear all of the debt.

The issue is, as I have had so many credit accounts TBH across most banks.
I will still be on record with them - ever after 6 years credit report drop off. 
And alot of the groups can cross reference - e.g RBS/Natwest

I was thinking of going for a part settle - but am I better off paying 100%?
And should these be settled ASAP?  - Wishing to apply in Jan 24 when last default dropped off. 

If I apply for a mortgage with a lender with adverse history,
Credit file might look OK - but their records will at least show - account cleared X months / years ago.


Thanks
Freddie