Credit ratings are the key to everything in the UK but the score values are different than the states 60 to 250
I had a friend that regulary earned £250,000 P/A paid off his mortgage early, had no credit cards and shit loads of money in the bank, paid cash for his cars, always expensive BMW's and he applied for an "AMEX" card, they turned him down because he had no credit history.
The UK is now run by computers and credit scoring, fucking painfull
RACEMAN
