You can actually add comments to your file,
i'm not sure how, but you can add lost your job
or got pregnant or such.
Its a complete pain in the backside clearing your file.
Many moons ago, a friend paid £60 to a firm and the
credit rating was improved, but not sure if it was that
or the time had elapsed on the bad debt.
Get a copy of your file for £2 from Experian
i think its a .co.uk site.
Hope that helps as there may be stuff on there your
not event aware of?
My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History
we get +200 new members a month now