Do not worry, my ex wife in the Uk decided it would be a god idea not to pay some bills for several months whilst i was happily sending money over from HK assuming she was. IT WAS MY OWN FAULT FOR LEAVING BILLS IN JOINT NAMES but at the time of our divorce and for most of the time since we are on good terms so I just forgot to think about the potential problem.Anyway I got 2 ccjs and several defaults on relatively small debts and was only alerted to it by my son. They were esily cleared and I PAID THE £1 for court aknowledgement etc BUT they stay on your credit file for 5 or six years. They have only recently fell off allowing me to open bank accounts etc here. I actually brought up the issue with the ECO ad he stated that he was only interested to see that I could support my new wife and son when they come over. A solid income and reasonable reneted/owned accomodation is enough.