Well, only one thing happened, but that was enough to make me explode.
I was in town, I was going to buy myself an iPad on finance. But I couldn't, because my credit rating is low. So I thought, fair play I guess I better check out my credit score...
I went home, went online and found my score, it's pretty poor. But you know what? It's got nothing to do with late repayments or anything, the worse thing about my credit report is my outstanding balance of £14,200 for my Alfa.
The credit score is dependent on many factors, and the amount of money you owe is one of them. I couldn't buy my iPad because I have a car to keep, and why? I ask myself so many times why I must suffer such a fate... But there's no helping it, I can't do anything about it, my parents refuse to buy me a car so I end up having to buy it myself. And because I have to buy it myself, I have this massive debt on my shoulders to repay... Now I can't afford anything on finance, simply because I have this sum of money to pay back... Why? Why can't my parents just help me out with my car repayments? I have no idea why. But I can tell you this. It's really really difficult for a 20 year old to buy their own car and afford everything else for themselves...
