Credit scores are meaningless. I’m currently under an Individual Voluntary Arrangement (IVA) because I lost my job and couldn’t afford to pay my debts.

It’s literally a court order that, among other things, says I’m not allowed to take out credit without permission, or move house without permission, until the end of the 7-year IVA. I have to give all my available income to a company and they divide it up between my creditors.

So, literally a “this man can’t be trusted to manage his debts” contract.

And yet! My credit score keeps going up and up. 😬 I’m now substantially above the UK average.