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@stevo_com
I'd check if I were you. There are a few things you can do for free/cheap to check. There can be negative things on your credit file that you wouldn't know about unless you check. For example, mine wan't showing that I was on the electoral register for my current address even though I had been for 3 years (I have an odd address). A phone call sorted that out. Utilities and credit cards can also be nasty if they are in your name.