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@deleted
Sounds like you'll be alright once you're on the register then.
I recently had my CC company write to me to say that they were halving my credit limit due to the conduct of my account. They themselves confirmed over the phone that they had no record of me ever failling to settle my bill in full on time every month since I got the card from them three years ago. What a crock of shit. I instantly requested that they close my account as the new limit wasn't even enough to cover a flight or holiday which was my main use for the card. Their loss. Or not it seems.
My ex failed a mortgage application in 2005 due to having £1.87 owed on an old credit account. Thankfully they eventually exercised a level of common sense and approved her after looking into it.