• Blackmist@feddit.uk
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    7 days ago

    Credit Score exists to sell you more Credit Score. This seems to have come about as a natural extension of them being required to let you see your Credit History.

    It’s Credit History that you want, and that lenders check. They may turn it into a score, but that score varies by lender and what you’re borrowing for, and frankly they may want more than just credit history anyway if you’re borrowing enough to buy a house.

    If you don’t have any credit history, use a credit card for your day to day spending, pay it off in full each month. As a bonus, you often get extra consumer protections that debit card boys don’t get.