Maybe you're right. Once you've paid off your debt, cards, overdraft and stop financing stuff your credit score stops existing. I couldn't get a bank loan even if I wanted because I don't pay off instalments on anything. Weird how that works.
Discussion
Aye - I feel your pain.
When my wife's car died I could even get some high interest finance for a replacement. They wanted evidence of income & I have no regular income.
That doesn't seem to affect my existing loans though. 😂
At some point (close to 2030) I suspect The Great Taking to occur. A global deflationary event & a calling in of debts.
Timing this stuff is playing with fire but I can't help but play this game. Fuck the banks & the fiat currency in every way possible!
Crazy shit man and yeah, fuck 'em and let 'em burn to the ground.