I am amazed though that there would even be a 'slight' chance of it affecting any decsion that a potential lender would have made. We never really know what goes on behind these institutions do we and are really at the mercy of their individual and inconsistent decisions of that particular day or moment. Again its extremely annoying that people who genuinely keep up payments and remain within the terms of any credit agreement are treated sometimes like some people who have extreme debt and financial problems. Anyway this string of posts have opened my eyes, taught me some things and made me even more determined now to get to the bottom of my rejections. I will keep you all posted. Thanks.

Tracey.