- Joined
- Dec 22, 2003
- Messages
- 12,379
That's my understanding. Their perfect client is one borrowing within limits, paying back on time every month, letting them earn interest for a 5 year period.Could it be that I'm getting a lower credit score because banks realise they won't make any money on me?
I'd rather be debt free and have a slightly worse rating personally, given that's where you seem to be, I'd stay there!