Originally posted on 03/12/2013:

3/11: 0/697. +1.5% Outstanding balance (697) = +10 pts
Failure to make minimum payment to stash = + 20 pts

New count: 0/727

Due to lack of communication, now officially listed as STIFF. Corrective action: stop ignoring your lenders, resume repayments and salvage some of your reputation.