Far too many people in Britain rely on high-cost short-term credit from alternative lenders.
Millions of Chinese citizens have been blacklisted by Chinese authorities from booking flights or high-speed train tickets due to low social credit scores.
The government needs to learn from the mistakes in the US in sharing our credit history information to third parties.
One day, your Facebook posts and Tweets might convince lenders to drop you some cash. Until then, here are five simple ways to help open up the bank vaults.