I have recently checked my credit report on experian and it shows that default was placed on my account on 10/10/2012 so I went about digging through all my old letters (yes I'm sad and keep everything lol) and the only letter I can find in regards to that account is a termination notice which by coincidence is dated 10/10/2012. I have never received a default notice just this termination notice, soy question is would this termination notice be classed as a default notice, if not how would I go about getting the default removed from my credit file