I tried keeping a lower credit score by making deals with demons and acquiring credit cards. The reason is I’ve heard having a higher score improves interest and mortgage rates for a home. Problem is, in my area at least, my credit only affects my score if I exceed £15,001 cumulative limit, and if I consistently use between 25% and 50% of said limit, constantly having loans of £3,750-£7,500. Being unemployed and finding it VERY hard to accept the prospect of corporate servitude, I will never have £15,000 in credit availability. Thus, I accepted that anything credit score is all bullshit and not even feasible.