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?