Agree with posters about them being cheap so you're more likely to use them. The insurance isn't worth the paper it's printed on. One thing that always irks me about using myhermes is when you have to lave your parcel at the drop off point. My local one, just leaves all the parcels in a big bag at the back of the shop throughout the day. The problem is anyone could walk off with one of these parcels as the bag is in the shop.

Thanks. Panic over, checked experian and I have a score of 868 out of 999, just 13 points off good. My initial post referred to Noddle and also information on the My Credit Report company which I had thought reference info on experian.

Hi, I recently switched a bank account that I'd had for about 14 years because another bank was offering 100 quid to switch. Prior to this I had a 5/5 credit rating (although not sure what the score was). It had been like this for about 8 years. The month after I switched my credit rating went down to 4/5. I assumed this was normal and it will improve however, the next month it changed to 3/5 It has been a long time since I missed a payment, at least 10 years. I've had loads of mobile phone contracts over the years and also have three credit cards and another current account with a bank that I've been with for 20 years and never missed a payment on their overdraft. I have a reasonable amount of credit card credit available to me but at the moment I have no debt whatsoever and it's been a long time since I even had a thousand pounds of debt. Sadly though I started claiming ESA recently and notified both banks of this. Might this be why they've done this? I'm so annoyed. I'm hoping (health permitting) to buy a house in the next couple of years and now that seems to be totally out of my reach although I'm obviously hopeful things will improve in about two years. What do you think is going on? Oh also, the account which I closed I missed about 6 payments in a row in 2004 because I withdrew money from an overdraft and put it in a savings account and didn't realise the overdraft was on my credit file. I'm told that when you close an account, missed payments can stay on your file for 6 years but I thought that applies to payments made in the last six years? Rather than any missed payments that were on the account?