Credit Score Rating

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

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."

Previously:  https://credit-score-rating.blogspot.com/2019/07/putting-2000-in-cash-as-collateral-to.html I was thinking of putting cash as collateral. Instead, they created a saving product. Financial engineering. Ingenious. Just like building your home, selling it, buying it again:  https://en.wikipedia.org/wiki/8_Canada_Square After re-acquired ownership of the building in 2008, HSBC once again sold the building, this time to the National Pension Service ("NPS"), the public pension fund for South Korea Did some research, trying to understand how  Credit Builder Credit Card works:  https://www.moneysupermarket.com/prepaid-cards/credit-building/ It was alphabetical on top. Here is a link to them:  https://www.cashplus.com/creditbuilder I believe their offering is totally retarded . I will explain in a separate post...

Asked a question: https://money.stackexchange.com/questions/111164/virtual-landline-to-achieve-better-credit-score-is-that-a-worthy-investment Got a reply. Got some downvotes. I find it fascinating that in 2019 era of surveillance, privacy awareness, GDPR, we ask you for a cookie, cannot visit a website because you are in the EU, people are freely giving away their home addresses: https://www.thephonebook.bt.com/person/ I really find it fascinating. People are no longer using landlines. And yet there is some code in some computer system that gives you a number to be used in yet another computer system.

LOVE IT! FOUND SOLUTION! https://www.loqbox.co.uk/faqs/ GENIUS ••••••••••••••••••••••••• Today I tweeted as ClearScore. I'm pretty sure they display loans that are available to me. Because my credit score is low, only a ridiculous APR is available (think Zimbabwe or Venezuela) @ClearScore are you humans or just AI? I had £20k credit available on my credit cards (£0 used) Closed a few. Now thinking about taking a loan to improve my score. But the rejection will decrease it. AI simple. Humans clever. Can you help? pic.twitter.com/coie8hb3qX — Mars Robertson 🌎🌍🌏 (@marsxrobertson) July 19, 2019 So now I have an idea for a new product. Maybe if I put £2000 in cash as collateral, the loan of £2000 will be virtually risk-free? (that way I'll be able to prove that I'm capable of repaying the loan, increasing my credit score as a result) For reference, the Bank of England rate is 0.75%  https://www.bankofengland.co.uk/monetary-p