I know what you mean I’m paying so many things out at the minute to try and get my credit back up a little but it’s leaving me with very little but I can’t stop paying them now I’ve started and I’ve still got loads I don’t pay cos I can’t afford to really and even when there all paid I’ll still have bad credit! Why are we so stupid with money when were younger, my life would be so much easier if I’d of just paid all my bills or let them k ow when I couldn’t so I didn’t ha e hundreds of interest added on 🙁 oh well I’ve learnt my lesson now X