In correspondence with people over the last year I have come to the conclusion that luck plays the dominant role in trying to get a default removed. Some people are writing just the one letter and bingo, it's removed. Others however, in fact the majority, seem to be coming up against a brick wall.Another trait that I have seen with successful attempts to get a default removed is persistence. Some people are just not giving up and trying every angle possible. And if those don't work they think hard and try some more.Persistence is therefore the key and it all depends on how much you want the default removed. However, if you've exhausted every available idea then there's only one thing to do, accept the default or CCJ and follow this intensive strategy to improving your credit file over the next 6-24 months, it's tried and tested and very effective.
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