Hi guys, a little reassurance needed here to help with the sleepless nights! Long story short, both me and spouse are students and she works part time in a bank. We have a mortgage and have never missed a payment or even been late with one. Since becoming students we have applied for a few CCs and Loans, all which were approved, however we always selected 'full time employed' even though this was not the case (we really didn't realise how important that was, since we knew we could afford payments). We are going on holiday soon and a few days ago, through work my wife tried applying for another CC which was free to use abroad and this was declined. Since that happening we are overrun with worry that a CIFA or something will appear on our credit files, and that may affect our existing mortgage and us lose our house - is this possible? We have now paid off every loan and CC except one in my name. There are no missed payments on any of the accounts. She is also worried that her work place will find out and that will accelerate things. What do you all think about this? Thanks so much in advance.