I am possibly off topic here but in the banking sector they totally discriminate against the people that have a decent income but do not want credit and pay high rents thus reducing their ability to save for a mortgage. I do not want credit but I do spend my money, that said I live within my means. I do not save very much because I have high rent so the only money I put away is for my pension. Now to get a mortgage I have been advised (I will not get one) unless I have a credit history, i.e. borrowed money and paid it back. Now I do not want(or need) to borrow money and pay someone for the privilege. Now to get a mortgage I have to save nearly 45 grand, borrow money and show I can pay it back. So banks think I am a bad bet although I have not one missed or late rent payment in over 10 years and also no negative bank statements over the same time (I could go back further but would need to hunt for paperwork). I think we should go back to the old fashioned scheme of your bank manager sussing you out and awarding you a loan/mortgage on how he assessed your ability to pay on rock solid information backed up by your landlord/employer etc. Not computers which can be fooled if you know how to work the credit system. In short what I am trying to say is now the banks have gone from being reckless to ultra conservative, there need to go back to the late 70s early 80s banking where your bank manager actually knew you and your ability to pay and get people like me out of the catch 22 rented sector and buying/building houses again. .