The presence of "defunct debt" on your credit report means that there is a record on your credit report of your failure to fulfill your repayment obligations on time, usually referring to debts such as loans or credit card arrears. The reason for this may be that you failed to repay on time, or that you maliciously defaulted or evaded repayment. A record of debt evasion will have a negative impact on your personal credit, affecting your future financial services such as loans and credit card applications, and you may even be subject to legal sanctions.

To solve the problem of debt evasion, you first need to pay off the amount owed as soon as possible, and communicate with creditors to understand whether additional measures need to be taken, such as paying overdue fees, late fees, etc. In addition, maintaining good credit habits and paying off future debts on time will help gradually improve your credit history. If necessary, you can consult a professional lawyer or financial institution to learn how to deal with evaded debt records and how to avoid similar problems from happening again.