Grr.
I have a bank loan (a small one mind). I've never missed a payment, only a year to go.

I have a credit card with a £500 credit limit. I have never missed a payment.

I have a mobile 'phone. I have never missed a bill.

I am on the electoral roll. I have no CCJ's. I am rarely overdrawn.

I am, in short, a Good Boy.

And yet, when I went to the bank for a mortgage last year, they turned me down, even though my mortgage repayments would be less that my rent! (I know that has nothing to do with it, but it's irksome).

Beyond this, I have a friend who earns half of what I do (nothing wrong with that), but they throw credit cards at him, he has multiple loans, and multiple missed payments.

Sometimes I think I'm beind penalised for actually being careful with my money, and not being one of the 'have it now on credit' people. If I want something (like my new TV), I save up for it. Maybe that's my problem.

Oh, and the Credit Score, I think, counts for shit. Mine's 'good' (a point off excellent) and nothing doing.

/end rant.
( Devil_In_Tights the *real* DiT!, Thu 3 Jul 2008, 16:26, Reply)