[Paul M]

Originally Posted by Spangle

Now ten years later, when you have paid back all you owe, and your credit rating is clean, you apply for a mortgage, and just out of interest, the loan manager Googles your name, and this piece of information is top of the page, and because of it, he decides not to give you another mortgage, would you consider that fair?

Thats just hypothetical nonsense. You may as well worry about him getting hit by lightning.