Arrangements? and searches? this is all new to me, so if you can spare a few seconds and explain those - that be great. And yes I don't have much of a credit history just under 12 months and on the Equifax it says I've had for 6 years?!

 and I have checked my report and I don't know whether it's hit double or not, all I know is that is very poor (298) and everything else is excellent.