Hi

Thanks to invaluable help from Niddy I have now got no defaults on my Experian credit file but credit score is only fair as I have £ 9,000 of credit card debt against a limit of £ 10,000 which makes my position look stretched. This is because in the past few years every time...

When I read about a ''Monthly Feed'' that banks,credit card companies receive what happens if there is a missed payment but from a few month's ago?

Just to explain back in December 2011 I totally forgot a measly payment to Marisota (a JD Williams's catalogue) First time in nearly 4...