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This week, I did my best to unpack the end of ownership as a national ambition. 'WE WISH LIKE HELL WE HAD NEVER BOUGHT'I am 32; my wife and I bought our house five years ago.And many of you responded with beautiful testimonials about your regrets, fears, and experiences as past and future owners and renters. And this is what I tell my friends and colleagues at work who are my age or younger and thinking of buying a house or condominium: Don't.It turned out that another Joanne Smith held a mortgage with Nationwide Building Society, and both Miss Smith and her partner had a number of debts against their name.Even an accurate entry on your credit file, such as a missed payment, can turn into errors.Not everyone who applies for credit gets it or gets the same terms: Factors like income, expenses, debts, and credit history are among the considerations lenders use to determine your creditworthiness.The law provides protections when you deal with any organizations or people who regularly extend credit, including banks, small loan and finance companies, retail and department stores, credit card companies, and credit unions.On paper, at least, my wife and I are perfect home-owner candidates: Married, taxable income hovering around 0K, parents of 2 children, owners of 2 dogs. How does it factor into your costs now, and in twenty years when retirement and paying for college are no longer distant abstracts?We both hold master's degrees, she owns her own business, I work a unionized job. "Do not buy a house until you can afford one with all those other considerations factored in."And with stagnating wages, high unemployment, and job mobility -- what if your company picks up shop and tells everyone it's time to move to North Carolina or lose your job? Almost unsellable in the current market, and my neighborhood shows signs of serious distress as vacants accumulate and rentals accumulate. If I had continued to rent and saved the money that has gone into mortgage, taxes, and upkeep, I would have quite a pile of cash.

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Over the years, Telegraph Money has reported on credit history nightmares including cases of mistaken identity and missed payments that won't disappear.

Borrowers may only discover their records are incorrect once they have been turned down.

In the 1970s, Irish women could not own their own home or even go to a pub. Nevertheless, marital rape is still often treated differently to other forms of rape in some states even today. This was marked with the amazing victory by Britain’s Nicola Adams.

They could not sit on a jury or refuse to have sex with their husbands. Until the Equal Credit Opportunity Act in 1974, women were not able to apply for credit.

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