On another message board, a long time ago, I saw someone defend credit scores and I wanted to beat them. Credit scores are vile. It's rich people thinking everyone is a scam artist like they are. No, most people are trying to just get by.
it was pretty fucked up when i learned credit scores had only existed for nine years by the time fight club had its whole plot be about collapsing civilization by eradicating credit scores
Wasn't able to get a phone contract when I went to the US for my undergrad, as they said they didn't know how reliable I was re debt. "I always pay my bills on time or before, and I've never been in debt", I said. "Ah, but that's a problem in terms of your reliability in this area", they said. What.
My credit score tells me it’s not higher because I don’t have a mortgage but I bet if I applied for a mortgage it would say no bc my credit score isn’t high enough lmao
You’re damn right that’s what would happen because the shell corporations (mostly belonging to the home builders themselves) bought them all up whilst faking scarcity :)
I knew for a while, but when my bank told me the only thing i could easily do to improve mine now is to maintain a balance on my credit card, that’s when I got mad
Probably 35 when my partner started helping me build my credit score up and we found ourselves paying something along the lines of $2800 in rent per month for a house.
25, when I found I couldn't get a car loan because my mom had maxed out a credit card for which she had listed me as an authorized user. The issuer agreed that I owed them no money and never had, but "couldn't" take it off my credit report per my request... because I was not their customer!
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Lauren! we were almost in kindergarten!
and now I'm sitting here with amazing credit and a job that pays what I still feel is cartoonishly and they're like
"uhhhhh are you sure you need a bathroom???"
Difficulty: SF Bay Area