On a further note to this. Its with Cahoot and I have been in contact with them and the account is still active with them. They will be closing it in 30 days. Is that the right thing for me to do or is it better to leave it open?

It cant default now as they have already been satisfied last year. Just want to make sure that it goes off my file next year as opposed to 6 from now or that will just a kick in the teeth.

Cheers for that David. I wonder why since I went on the DMP they dont all go off my file at the same time.

Just noticed something else on my credit file :- It relates to a credit card. Special Instructioins Indicator - Debt Management programme. Special Instructions start date - 01/11/2003 Special Instructions End Date - 01/11/2008 Current Balance - £0 Credit Limit - £3000 With my defaults they will be r...

Suppose I just need to wait till May next year when my file is clear to make changes then. I certainly have learned my lesson with regard to getting in debt and something I will never let happen again. Just hope they dont do another routine credit check at work! Thanks everyone for the feedback btw ...

When the banks do a credit check do they check your credit score or actually check the credit file? Since the banks first turned me down for bank accounts I did actually apply for a mobile phone contract with three. I got accepted. This is on my credit report also. Do they use the same scoring crite...

Well I dont want credit as such. I want the option of credit. I would like a credit card for emergencies and for things which you need one for, ie hotels and such where they dont take maestro.

So the defaults from 4-5 years ago arent gonna stop me from being turned down?

Im nearing the end of my debt management programme and just have one creditor left for a small amount now I will be debt free in 3 months. A Year ago I couldnt even open a new bank account as I wanted to change from who I am with now but the only one I could get was a basic one so I decided not to c...