Ahhhh i wasn't sure which ones were 'related' and which ones weren't - thanks for the info!!

Have you read the info about the credit agencies changing the way they score you, i had a look at my report and it looks a lot better but im not sure how it will affect my score overall - pretty scary cause i wouldn't have known about it if i hadn't read a link on here!!

I had debt about 5 years ago and i can't believe that it still haunts me.... :o(

x