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I think I read they had changed the amount so there is now a minimum amount the debt needs to be ($150) before a default can be recorded. Beanie Girl - My comment about utilities not being included was in regards to late payment (5+ days) info being recorded in your collected repayment...

The guy I spoke to at the bank the other day tried scaring me into thinking absolutely everything would now be recorded, even if I didn't pay an account at a local store. I tried to correct him but he insisted even forgetting to pay the local butcher would be bad for my credit :/

Utilities aren't included. From Veda: What is repayment history information? Repayment history information is whether the minimum repayment on a credit account, like a credit card, personal loan or mortgage has been made on time (or within a 5 day grace period) and if not, how late the...