During every financial crisis in recent history;

The Dot Com Bust, 9/11, 2008 Global Financial Crisis, and the current COVID pandemic, the 2022/23 supply chain drain - The banks failed to modify and adjust their credit score system, expecting & providing the exact same service, as they would during fiscal stability.

Any effort from your part (you) in the following. goes entirely ignored & unrewarded.

1. Early payment(s) - No rewards, No score boost.
2. Extra payment(s) - No rewards, No score boost.
3. Catch-up payment(s) - No rewards, No score boost.
4. Full balance payment(s) - No rewards, No score boost.
5. Paying lots of rent(s) for year(s) - No rewards, No score boost, no visible credit report of your successful renting history nor bad one...
   
6. Aany credit enquiry even if it's not sanctioned or successful, is kept for 5 years.  Its like having Facebook keeping your deleted friends in your friends list for 5 years.
7. Male & Female ( Parental Leave / Maternity Leave ) or being pregnant / planning on a pregnancy / just given birth / have you just adopted / just became a parent to a new child??? This is not rewarded / reflected in your Credit Score(s) / Application Score(s).  The banks loan(s) Q/A form(s) or interview(s) are currently biased, and negatively impact your personal financial scores.  Your contributing to society and your family they are not providing proof or rewarding your score - when it comes to your hard work!
   
8. Male & Female ( Carer / Sick / Injured / Disabled ) no special temporary or extended or permanent period in which your score is being adjusted to reflect a change of circumstance(s)... nor maintenance of the new / current / long term status quo!
9. Total number of loans paid off & closed not kept track of.
10. Small credit checks eg. Mobile Phones / Long term Ride Shares / Car Rentals - not very good on credit score + profile and impede the total credit score for 12-24 months.
11. In a car accident or injured - legal court cases can take up 2+ years to just reach a hearing date.  Most financial insituions will only provide finacial hardsgip help for 3-6 months maybe a bit more
12. In a workplace accident or injured - legal court cases can take up 2+ years to just reach a hearing date.  Most financial insituions will only provide finacial hardsgip help for 3-6 months maybe a bit more

Late payments, or no payments, have very long-lasting - adverse effects on your credit scores in both personal & businesses credit score categories.

This is a perfect example of, "predatory behavior".  The neglect & inaction of the banks is not up for debate... Taking advantage of the populous, by refusing to adapt, is not acceptable any longer...

It is time for the banks to stop, stop ignoring the financial hardships of the current era, and begin by providing new credit score provisions that recognise & reflect the market damage of COVID, and start rewarding good single, and mum dad customers, for good financial responsibility.