Can you remove a bad credit mark from your name?

my friend has wanted a boob job for agessssss, she went for a loan to get one but they wouldnt borrow it her coz she paid a £400 phone bill 3 month late, she has a default against her name, she contactd her phone company credit thing n demanding it to be took off and they said she cant..

now her grandad and ncle are saying she can pay to have it removed? is this true? because as far as i know u hav to just have it on ur name for 5 years til its gone…

thanx

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Answer:
There’s a common misperception that paying off an overdue debt will cause one's credit history to be nice and clean. Not so. Credit history is a record of what happened in the past. Paying off a debt does *not* change the fact that payments were late in the past.

If the payments were late, there's no paying anybody for anything that will change it. The only thing to do is wait it out for black marks to drop off.

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Answer:
It's possible that she has the ability to contact the company and offer to pay it in full IF they concur to remove it from her credit report. If that is the case, make sure to get everthing in writing though!