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Three defaults from 2004

Bluerover
Bluerover Posts: 124 Forumite
Part of the Furniture 10 Posts Combo Breaker
in Debt-free wannabe
Just got my credit files/records and I have 3 defaults from 2004 is it worth offering full and final settlements or leaving them alone? everything since is fine no problems.
Although one of the defaults is registered with B/card then again with a debt collection agency - from whom I have heard nothing so why does it show twice?
I suppose my other question is, is it better to have the defaults still showing or full and final settlements.

Thanks in advance

Comments

  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I don't know the answer to this but someone else may. Common sense tells me it would be better to offer them a settlement, but I could be wrong!
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
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