RE: HBOS Takeover8 May 2023 11:17
From early on, I realised all bankers were completely incompetent after I read they prefer you to have a “good credit” score and what this actually and stupidly meant. I always paid everything on time and could afford to, always working and never owed anybody a single penny. Same story for my dad, he regularly worked 100 hr+ weeks and never got himself into any debt and paid for his cars and boats etc. before getting the keys to the ignition. Bankers hate my dad and I, we were both classed as “bad credit” on their silly credit score test. Bankers only see people who are in debt up to their eyeballs as “good credit” and so they are completely incompetent for the above reasons. Bankers would try selling all the alcohol to a tramp on the street.
The people who can afford to pay their way are hated by bankers, for having a “bad credit” score.
In the end, I needed to get a credit card, before I could get a “good credit” score. A very stupid idea indeed. Used once, then straight in the bin!