2019, age of GDPR, privacy, surveillance, why not make your home address public? Check this out: https://money.stackexchange.com/questions/111164/virtual-landline-to-achieve-better-credit-score-is-that-a-worthy-investment Me: On a personal note, I see gross deficiencies in the current credit score system and I'm planning to establish a new, transparent, open-source standard. Me being a 100 baseline, obviously. Some other guy: "I'm planning to establish a new, transparent, open-source standard" might be why you were down voted. Not only is it quixotic, but off-topic. It's your life, your choice, your decisions, your free will. For quite a long time I was against owning a property. You can see my attitude in a series of questions on Stack Exchange, just follow my profile. Many questions about mortgages, this is one of them: https://money.stackexchange.com/questions/71445/how-long-i-should-pay-the-mortgage-to-break-even-when-selling-is-2-years-enoug