Oddbean new post about login | logout @38629c61 It's ridiculous. I have a poor credit rating because I pay for mkost things in cash or by bank transfer. It's almost as if you can't get a good credit rating unless you are willing to put yourself in debt.
@027ed9d5 that’s literally what it is, it’s showing that you have a history of being able to borrow and repay money. Mine’s so bad because I broke my leg and couldn’t work for 18 months and because I was self employed wasn’t entitled to the benefits I was recommended to apply for and so had to use credit cards to survive.