It's a petty that people use credit scores as a proxy for "financial competence", because they're such a shit measure of this.

The thing they actually measure is how much potential you've got as a debt slave. That's a very different thing!

This post was brought to you by my bank telling me I need to go into £15k of debt to improve my credit score. Apparently the fact I pay them so little interest makes me "less reliable" as a borrower. 🙃