why so tentative? i pay my limited bills on time, i have taken on debt twice and paid it off as soon as possible, living basically within my means, and because of this my credit score is terrible.

i can't get a phone contract, a mortgage is out of the question. i automatically fall to the bottom of the list when trying to rent an apartment. don't know what went on at the places i applied to for employment that requested a credit score waiver, but can't imagine it was to my benefit.

now i can't even get on the credit train and start maintaining a card because i'm apparently such a poor risk.

its clearly not the same set of concerns as a patriotism score. but there's clearly some kind of profiling and clustering going on.