Posts

On the call...

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Atom Bank also does brokers only:  https://www.atombank.co.uk/~/docs/broker-list-mortgage.pdf I guess it's not about loving middle man. It's about avoiding high-maintenance guys like me LOL 😎 WOW, the bad-credit mortgage isn't that bad actually! Screenshot from: https://t.co/tsIeQcyUQP @atom_bank are you working with @heron_financial or @TORC24 because @BerkeleyGroupUK has only two preferred financial guys? (I much prefer ethos of a challenger bank pic.twitter.com/z5CHKcxD4o — Michal Stefanow (@MichalStefanow) February 16, 2020 The Habito was on top of the list but they recommend someone else... Called the:  https://www.impactsf.co.uk/ They recommended:  https://www.checkmyfile.com/ (I already have my credit report from Experian, Equifax, TransUnion)

Please note that we only lend through brokers.

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https://www.accordmortgages.com/news/180917-our-lowest-ever-fixed-rate/index.html Go directly, skip the middleman, crazy stuff!

@dhh and @stevewoz ranting about credit score

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https://twitter.com/stevewoz/status/1193330241478901760 https://twitter.com/marsxrobertson/status/1193847931079671808 "It's big tech in 2019" There are different pieces of information being leaked: https://en.wikipedia.org/wiki/Edward_Snowden#Revelations https://en.wikipedia.org/wiki/United_States_diplomatic_cables_leak https://en.wikipedia.org/wiki/Panama_Papers https://en.wikipedia.org/wiki/Paradise_Papers The data breach comprises some 13.4 million documents—totaling about 1.4 terabytes—from two offshore service providers, Appleby and Asiaciti Trust, and from the company registers of 19 tax havens. The company's 2015 gross domestic product showed a 26% increase, and close to $270 billion of intangible assets suddenly appeared in Ireland as the year began – more than the entire value of all residential property in Ireland. Apple now holds $252 billion offshore. However, Apple has previously publicly stated that it reinvests post-tax earning

Let's see if I'll be able to pass through credit check to obtain a phone...

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Maybe they have a financial product allowing me to pay the full amount upfront and then do 0% loan for £0?

Open Source (transparent) Credit Score - why not make it clear?

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

Reporting rent to increase credit score - but would too many loans not act against me?

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http://creditbuilder.co/  - note they do not support https:// at the moment https://www.creditladder.co.uk/ Previously: Virtual loan card:  https://credit-score-rating.blogspot.com/2019/07/credit-builder-credit-card-another.html Virtual loan saving product:  https://credit-score-rating.blogspot.com/2019/07/putting-2000-in-cash-as-collateral-to.html Number. Rating. Score.  https://en.wikipedia.org/wiki/Goodhart%27s_law "When a measure becomes a target, it ceases to be a good measure."