Car insurance is fine. If you don't pay, then the insurance is cancelled so it's not really classed as credit. My insurance is paid monthly.
If you have had this for a while, then there may be no problem. If you can pay for it monthly then you should be ok.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
