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@mc25 Ah, I see. Thank you for the reply! I probably could've googled it lol. Thank you for explaining!

@audioholic Goodman! I'm at where you were " A few years ago" this post has given me hope and inspiration. My CCJ will come off my report in Feb 2026. May I ask, what's a CIFAS? I don't think I have one. I'm happy for you! I'm also an ex-gambler. Currently on my second round of a 5 year self...