> am now 2 months in arrears? I don't know how it works in France, but other countries have a "bad payer" database. You get added to it when you're behind with

> am now 2 months in arrears? I don't know how it works in France, but other countries have a "bad payer" database. You get added to it when you're behind with your payments, and get removed from it when you're no longer behind. All lenders check that database.