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Hi there, first post on here 
I'll start by saying how much of a dope I have been with finances throughout my late teens and early twenties, not really having a care nor realizing the consequences of this!
My partner and I are expecting our first child in April and are also looking into the prospect of buying a house together in the next few years.
Currently my credit report is fair, with my current credit being kept up to date and 'green' (which I might add, I've noticed feels very rewarding to look at!) I have just had confirmation that we will be added to the electoral roll next month too.
My issue is with 2 previous debts, 1 of £259 which originated with T-mobile and was passed on to Lowells, and another of £347 which was from HSBC and passed on to 1st Credit.
The T-Mobile/Lowells debt was paid, in full, in June 2011 and is marked on my report as settled, the debt to 1st Credit was at £397 for some time, but I paid £50 to them last week, to start paying it off and agreed a £20 a month direct debit with them, however I have managed to arrange finances so I can afford £250/£300 at the start of February to offer as a Full & Final settlement.
Right that's my story, now this is where I would like help
As I said before my partner and I are looking at getting a mortgage in the next couple of years so ideally I would like to get them removed from my file completely. What do you think the best method would be to approach this?
Many thanks in advance,
Richard.
I'll start by saying how much of a dope I have been with finances throughout my late teens and early twenties, not really having a care nor realizing the consequences of this!
My partner and I are expecting our first child in April and are also looking into the prospect of buying a house together in the next few years.
Currently my credit report is fair, with my current credit being kept up to date and 'green' (which I might add, I've noticed feels very rewarding to look at!) I have just had confirmation that we will be added to the electoral roll next month too.
My issue is with 2 previous debts, 1 of £259 which originated with T-mobile and was passed on to Lowells, and another of £347 which was from HSBC and passed on to 1st Credit.
The T-Mobile/Lowells debt was paid, in full, in June 2011 and is marked on my report as settled, the debt to 1st Credit was at £397 for some time, but I paid £50 to them last week, to start paying it off and agreed a £20 a month direct debit with them, however I have managed to arrange finances so I can afford £250/£300 at the start of February to offer as a Full & Final settlement.
Right that's my story, now this is where I would like help
As I said before my partner and I are looking at getting a mortgage in the next couple of years so ideally I would like to get them removed from my file completely. What do you think the best method would be to approach this?
Many thanks in advance,
Richard.
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