Hi,
I have made a massive mistake and it’s totally ruined my credits school. We moved house a short while ago, and around the time we moved I cancelled an old mobile phone contract. I didn’t realise but the account wasn’t fully cancelled and I cancelled the direct debit. ultimately this meant me missing a series of payments and the mobile phone company logged a default on my credit file. The chaos of moving house and me missing a letter as it went to our old address meant that I wasn’t on top of this. I have accepted that this is my own faults . I have tried asking the mobile phone company to remove the default but again I had to accept that that isn’t going to happen. This means that the default will remain on my credit file for a period of six years. Totally destroyed my credit score and any sort of borrowing is very unlikely for the next six years.
I am absolutely devastated that this has happened, to the point where I keep bursting into tears and feeling panicked over it. My husband has been supportive but he’s now telling me that he thinks that I am reacting massively. His view is that we won’t be moving house for six years at least anyway, we also don’t need to apply for any form of borrowing such as credit cards or loans. he can see why I would be a bit annoyed but doesn’t understand my devastation over it.
am I overreacting?