“They’re for poor people” I hear you say! Well, no they are not. When you have a good, strong credit rating or score in the US or the UK, institutions will lend money to you more cheaply. We have no ratings (except bad ones) as the ghastly banks didn’t feel obliged in sending data to the Irish Credit bureaux. Why? That would mean we were free to shop around for credit and all that money they spent trapping you at college would be wasted if you could divorce them later! It’s financial slavery – while the absentee landlord has been banished back to the mainland, we, the Irish, are still in penury to a different lord!