Axis Bank & HDFC Bank Bank — Credit card issue

Dear Sir,
I am D.Ravi Kumar. I had two credit cards. One is axis bank & other one is HDFC bank. I used this credit card in my sister marriage in emergency.
but after that i was not able to pay that amount, but i paid even more that the amount which i used by credit card by minimum amount paid in every month.
then i stopped my payment for some personal financial reason. but after few month i paid all the amount with settlement (without knowing defaulter list),but i did not know that my name is in defaulter list by both the banks.It was the time last october 2009.

Kindly remove my name from defaulter list because i am not able to take any housing loan from any bank.
Kindly help.
Kindly let me know if you want any other information.
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Thanks & Regards
Ravi D