[capableweb]

Yeah, credit history is something I never really cared about as I don't have any interest in getting a loan or touch anything else related to credit histories, so I'm probably a bit biased in that. I also guess the cost of living is so low where I live so I (together with many others) don't need to be able to take loans, not even to be able to afford a house.

Edit: not a complaint, just found it funny that someone thought of to downvote me a minute after I wrote my comment, because me and others around me don't need credit to afford a house? HN sometimes is funny.

[elric]

Credit history is equally location dependent as the use of credit cards. It's simply not a thing over here. Whether you'll be granted a mortgage (usually) simply depends on whether or not you have a steady source of income that's sufficient to cover the risk. Whether or not you missed a CC payment when you were on an extended trip really doesn't factor into it. I think I prefer it this way.

[lol768]

> Yeah, credit history is something I never really cared about as I don't have any interest in getting a loan or touch anything else related to credit histories, so I'm probably a bit biased in that.

Fair enough! I wish that were the case in my part of the UK ;)