Since credit file/scores are now free, I signed up a while back in an aim to improve my score etc.
I noticed at first all was well. But as time has gone on, my score has been coming down and down.
I investigated further to find that there is 1 account in Default since 2014. It is my old student account and from what I can remember, I had an OD limit of £1200 which I was under, but then they changed my account to a Gold Reward account which didn’t have the OD facility, thus sending me over and charging me fees upon fees until they closed my account.