Credit Report ruined?

Ring HSBC and the debt collection company you had to pay the money to and tell them that now that the money has been paid you want the default to be removed from your credit file, it was them that put it on and they can take it off, dont listen to their bullsh*t if they say they cant, they definatly can. Ask to speak to the CEO of the company if thats what it takes, but keep hassling them and they will remove it for you.