There’s a lot of stuff I think everyone should know about how credit files work but not enough people do know.

N.B. I’m from the UK, I only know about the UK. This post deals only with how it works in the UK.

## Credit Scores

Your credit score is meaningless number, produced by an algorithm specific to the credit reference agency.

## Credit Reference Agency?

There are three companies (CallCredit, Equifax and Experian) that do the job of collating financial information on UK citizens and they allow lenders, tenant reference services and so on to use it in order to assess the financial risk of lending to a person.

Scenario: you’re stuck with Zend 1 (which will support PHP7 - great news for those of us with legacy apps!) and you’re building an API.

You’ve got routes like /api/categories, and /api/products but you want to provide some nice, nested resource routes, such as /api/categories/42/products to get all products in a given category. This would be an alternative to /api/products?categoryId=42.

I poked around at ZF1’s router and came up with the following. It allows you to have both routes functional, giving your end users flexibility, whilst only requiring a single Controller.

I can’t believe I’ve only recently discovered the benefits of having a config file sitting in ~/.ssh

A couple of my Digital Ocean boxes have non-standard SSH ports and it’s a bit of an arse to type it out every time.

Example ~/.ssh/config:

    Host projects
        HostName bencromwell.co.uk
        Port 424242
        User bc42

So simple and yet, if you don’t know it exists, you don’t know to look around for it.

Ember 1.9 came out a few days ago, continuing along the path towards HTMLBars.

It took me longer than the expected 5 minutes to upgrade HungryBun due to a couple of small issues regarding support for Handlebars 2 in the build tools.

I had some problems with npm when trying to update the ember-template-compiler to the latest version.

npm ERR! peerinvalid The package handlebars does not satisfy its siblings’ peerDependencies requirements! npm ERR! peerinvalid Peer ember-template-compiler@1.9.0-alpha wants handlebars@~2 npm ERR! peerinvalid Peer grunt-ember-templates@0.5.0-alpha wants handlebars@~2.0.0

You may have heard of Ello. It’s a new social network with no users and no revenue model.

OK, so it does have a fair amount of users and it continues to grow rapidly by invite.

The curious thing about it, though, is their claims that:

• they’ll never have adverts
• they’ll never sell user data

They have investors. They wouldn’t have investors if they didn’t have a plan to make money down the line once they’ve grown their user base.