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Yes ... But the utility bill is a few years old and the CC debt I pay monthly with no interest for the next few years . Because the Cc debt they allowed me into a payment arrangement with no interest ,that was a few years ago and I'm still on this agreement. These are the only 2 on my file. I...

Ok I phoned my broker today that I used to buy my current property, which has been paid off.worth about 400k Seems I have a bad credit rating owing a debt collector $300 for a utility account plus a credit card debt I defaulted on but I'm paying it off monthly so I don't know why it's default...