Yah...I spent most of my post-grad period funding my unemployed housemates, so up until the point that Whines became a part of the household, adding his stability to the absurdly good record Butterfly has, I was always having financial wobbles and missed payments. But I've been spotless...well, except for my spots...for the last year, and I guess the statute of limitations on my last missed payments just ticked over :)