thank you so much for your replies. I really appreciate your advice, and I feel calmer already. I rely solely on my own for day to day living and it can get worrying when things get difficult. thank you.

Thanks Gem, i really do appreciate your kind words of reassurance. You are right, I do worry too much and focus on negatives to the point of obsession. thank you very much for your time.

Please someone offer me advice regarding my bad credit report and my fear of it being found out by my employer and being dismissed! I have been working for the same insurance company in their finance department for 11 years. I am well liked, trusted, work hard and I am honest! But, my credit report is a mess! could they run a check on it? would they need my permission? could I turn it down? I am panicking, really, please give me some advice! thank you.