Do you have common law marriage where you live? In some places you are considered “common law” married after living together for a certain amount of time, which can help in estate settlement.

As others have mentioned, core exercises will be key here.

Some more traditional non-core exercises like squats and deadlifts will be engaging your core muscles (and a reminder that your ‘core’ is your whole trunk/body and not just your abs!), but you can progress this along with additional core exercises.

As someone that sits a lot for work, I really like to do ‘supermans’ and variations of them, a basic one is to lie flat on your stomach with arms and legs extended, then raise your arms and legs off the floor. You can hold, do them as reps, “swim” in the air, add in some pulls (like an overhead row if you have a resistance band or something you can attach in front of you).

Yoga has been mentioned below, but I would add Pilates to the list as well, there are plenty of core exercises to go at.

Not in this case as he is a minor so the records aren’t public.

Crimoompa Loompa

He’s of Punjabi descent rather than black.

No it’s nothing to do with political affiliation at all,

And someone has already replied about the UK which is largely where my experience lies in this area.

Voter registration (entry onto the electoral roll) is additional confirmation that the address you are using for other credit/loan information is accurate.

It’s not, really, although it’s a bit more nuanced than that.

Credit scores are now taking in more information than ever, so things like your debt repayments as a % of your income (affordability) are feeding in as well.

For the people carrying credit card debt, one CRA might give you a better score if you carry a balance >0 but <25% of your total credit limit, and another it could be 0 to 40% so you will see some score variability.

If your utilisation is higher your score may suffer. This is only one aspect, though. Repayments on other debt (mortgages, utilities, mobile phones) play a part, as do things like voter registration and the time you have kept open your accounts. TransUnion is now incorporating BNPL (like Klarna) data for some reporting, although not sure it feeds into the score view yet).

I would highly recommend using whatever free apps are available for each of the CRAs (TransUnion, Experian and Equifax are the three main providers) to monitor your score.

For TransUnion you should be able to use the Credit Karma app in both the US and UK, and in the UK you also have the ClearScore app for Equifax score.

Experian in the UK is on the process of removing 3rd party app access (would have been MoneySaving Expert app before, but that’s moving to TransUnion).

Having no mechanism and being specifically legislated against are two different things. Brexit is the former, this sounds like the latter.