I wish I could, actually. See, I'm Binary the Third. My dad's Binary Jr., who was the son of Binary Sr. (of course, my real name's not binary, but that was fun to write). My credit record has items from both me and my dad, and used to have items from my grandfather, but since he died about ten years ago those items have dropped off. So, when they look at my income vs my debts, my wife's debts, and my father's debts (inc. mortgage), all I get is polite laughter.