Re the 'hot water broken' one, I note the mother and daughter don't look like they just crawled out from under a heap of manure so I am suspecting this is one of those excuses after nicking all the hot water, 'oh it must be broken' 'maybe the thermostat needs adjusting' etc...
And those credit score ones, are you really planning on spending the rest of your life needing to borrow money all the time? Well done, that's a fabulous ambition and look how comfortable/carefree those people are on that sofa* or at the beach with their car** on their holiday***. Or is it because people have so many credit agreements they keep losing track?
* Bought on 0% finance, payments not due to start for six months, it will eventually be yours to keep at around the time it needs replacing.
** Lease only. You will not own this car. Ever.
*** Via one of those comparison sites which will eventually have everyone bust because paying a bit more for better service is a concept long since gone and this is 'race to the bottom' and not in a carry-on-film sort of way. And you paid for it with a credit card, obv. Towels £5 extra.