Shit!! I hate all this stuff in the US about "credit scoring" and "bureaux" crap.
The lot is no more than "aiding" card companies to conduct loan sharking on a legal level.
The CEO of VISA even openly stated that their "aims" are to provide credit to anyone knowing full well the "capture" time would come in their lives when they defaulted on a payment and created a "profit center" for the card companies.
Even the marketing of cards is "legalized fraud" - check the small print and see how little that "low interest rate" really is! :-)
Fuck em all! :-) "Use" them and offer no "profit" - don't use the "credit" on cards. If ya ain't got the money - don't buy shit!
Cash is king - always will be! :-)
PS... Means ya may have to stand and wait while they check for counterfeit bills at the paypoint - but tis amusing watching em
