Yes, you can pay off a default on your credit file. In fact, paying off a default can help to improve your credit score over time, as it shows that you have taken steps to address the debt. To pay off a default, you will need to contact the lender or creditor who placed the default on your credit file and arrange a payment plan or pay a lump sum. Depending on the size of the debt and your financial situation, you may be able to negotiate a reduced payment or a payment plan that suits your budget. Once you have paid off the debt, the lender or creditor should update your credit file to show that the default has been satisfied. It’s important to note that while paying off a default is a positive step, it may take some time for your credit score to recover fully, as the default will remain on your credit file for a period of time, typically six years from the date that it was added. If you are struggling to pay off a default, it’s important to seek help and advice from a reputable debt advice service. They can help you to understand your options and work with you to develop a plan to manage your debts and improve your credit score over time.