Current Events > TIL credit scores didn't exist before 1989

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Derwood 12/19/21 2:17:57 PM #51:	TheGoldenEel posted... yeah if you cant pay cash up front for a car or a house fuck you imo Again, no one is saying that <cite>Derwood posted [p:961049177] in TIL credit... [t:79817524]...</cite> <quote>TheGoldenEel posted... </cite> <quote>yeah if you cant pay cash up front for a car or a house fuck you imo</quote> Again, no one is saying that </quote> ... Copied to Clipboard!
TheGoldenEel 12/19/21 2:22:38 PM #52:	Derwood posted... Again, no one is saying that The user I quoted did say that --- BLACK LIVES MATTER Games: http://backloggery.com/wrldindstries302 \\ Music: http://www.last.fm/user/DrMorberg/ <cite>TheGoldenEel posted [p:961049287] in TIL credit... [t:79817524]...</cite> <quote>Derwood posted... </cite> <quote>Again, no one is saying that</quote>The user I quoted did say that </quote> ... Copied to Clipboard!
sutree 12/19/21 2:24:03 PM #53:	TheGoldenEel posted... The user I quoted did say that No, he didn't say anything about paying cash up front. --- In the time of chimpanzees I was a monkey <cite>sutree posted [p:961049326] in TIL credit... [t:79817524]...</cite> <quote>TheGoldenEel posted... </cite> <quote>The user I quoted did say that</quote>No, he didn't say anything about paying cash up front. </quote> ... Copied to Clipboard!
Derwood 12/19/21 2:24:59 PM #54:	TheGoldenEel posted... The user I quoted did say that Not specifically Taking out a loan to pay for a house or car is not considered "bad financial behavior". Buying video games, TV's, vacations, going out to eat, etc. all on credit is. This is pretty easy to understand. I had a college friend who completely tanked his credit because he decked out his apartment in expensive furniture and electronics, racking up like $15k in credit card debt. It took him years to dig himself out. <cite>Derwood posted [p:961049354] in TIL credit... [t:79817524]...</cite> <quote>TheGoldenEel posted... </cite> <quote>The user I quoted did say that</quote> Not specifically Taking out a loan to pay for a house or car is not considered "bad financial behavior". Buying video games, TV's, vacations, going out to eat, etc. all on credit is. This is pretty easy to understand. I had a college friend who completely tanked his credit because he decked out his apartment in expensive furniture and electronics, racking up like $15k in credit card debt. It took him years to dig himself out. </quote> ... Copied to Clipboard!
gmanthebest 12/19/21 2:25:33 PM #55:	Are people really bitching about credit scores? Sorry you made bad financial decisions, but credit scores are better than interviews --- What do I feel when I shoot an enemy? Recoil. <cite>gmanthebest posted [p:961049365] in TIL credit... [t:79817524]...</cite> <quote>Are people really bitching about credit scores? Sorry you made bad financial decisions, but credit scores are better than interviews </quote> ... Copied to Clipboard!
TheGoldenEel 12/19/21 2:26:16 PM #56:	Derwood posted... Not specifically Taking out a loan to pay for a house or car is not considered "bad financial behavior". Buying video games, TV's, vacations, going out to eat, etc. all on credit is. This is pretty easy to understand. I had a college friend who completely tanked his credit because he decked out his apartment in expensive furniture and electronics, racking up like $15k in credit card debt. It took him years to dig himself out. Just fyi the main thing the vast majority of people use their FICO score for is to secure financing for homes and cars, not purchase video games addendum: that thing one guy you know did one time is not an argument for or against anything. Its just a story of what one guy you know did one time --- BLACK LIVES MATTER Games: http://backloggery.com/wrldindstries302 \\ Music: http://www.last.fm/user/DrMorberg/ <cite>TheGoldenEel posted [p:961049376] in TIL credit... [t:79817524]...</cite> <quote>Derwood posted... </cite> <quote>Not specifically Taking out a loan to pay for a house or car is not considered "bad financial behavior". Buying video games, TV's, vacations, going out to eat, etc. all on credit is. This is pretty easy to understand. I had a college friend who completely tanked his credit because he decked out his apartment in expensive furniture and electronics, racking up like $15k in credit card debt. It took him years to dig himself out.</quote>Just fyi the main thing the vast majority of people use their FICO score for is to secure financing for homes and cars, not purchase video games addendum: that thing one guy you know did one time is not an argument for or against anything. Its just a story of what one guy you know did one time </quote> ... Copied to Clipboard!
Returning_CEmen 12/19/21 2:27:16 PM #57:	When did credit cards get rolled out because the two should go hand in hand, right? --- Genius, Thousandaire, Playboy, Philanthropist <cite>Returning_CEmen posted [p:961049409] in TIL credit... [t:79817524]...</cite> <quote>When did credit cards get rolled out because the two should go hand in hand, right? </quote> ... Copied to Clipboard!
Derwood 12/19/21 2:31:31 PM #58:	TheGoldenEel posted... Just fyi the main thing the vast majority of people use their FICO score for is to secure financing for homes and cars, not purchase video games Yes, but buying a bunch of shit on credit (and then being bad at paying it off) is what tanks your FICO score <cite>Derwood posted [p:961049543] in TIL credit... [t:79817524]...</cite> <quote>TheGoldenEel posted... </cite> <quote>Just fyi the main thing the vast majority of people use their FICO score for is to secure financing for homes and cars, not purchase video games</quote> Yes, but buying a bunch of shit on credit (and then being bad at paying it off) is what tanks your FICO score </quote> ... Copied to Clipboard!
TheGoldenEel 12/19/21 2:35:14 PM #59:	Derwood posted... Yes, but buying a bunch of shit on credit (and then being bad at paying it off) is what tanks your FICO score Well that and opening too many cards, or not having enough cards, or closing too many cards, or using your cards too much, or not using your cards enough, or checking your credit too much, etc etc and its unclear because theres no real transparency to any of it --- BLACK LIVES MATTER Games: http://backloggery.com/wrldindstries302 \\ Music: http://www.last.fm/user/DrMorberg/ <cite>TheGoldenEel posted [p:961049640] in TIL credit... [t:79817524]...</cite> <quote>Derwood posted... </cite> <quote>Yes, but buying a bunch of shit on credit (and then being bad at paying it off) is what tanks your FICO score</quote>Well that and opening too many cards, or not having enough cards, or closing too many cards, or using your cards too much, or not using your cards enough, or checking your credit too much, etc etc and its unclear because theres no real transparency to any of it </quote> ... Copied to Clipboard!
Derwood 12/19/21 2:38:07 PM #60:	TheGoldenEel posted... Well that and opening too many cards, or not having enough cards, or closing too many cards, or using your cards too much, or not using your cards enough, or checking your credit too much, etc etc and its unclear because theres no real transparency to any of it It's not really very hard to have a good credit score. Now the bullshit part is that you need a good credit score to buy a house or car (which are the main ways to get a good credit score). Getting your foot in the door is the main pain in the ass <cite>Derwood posted [p:961049713] in TIL credit... [t:79817524]...</cite> <quote>TheGoldenEel posted... </cite> <quote>Well that and opening too many cards, or not having enough cards, or closing too many cards, or using your cards too much, or not using your cards enough, or checking your credit too much, etc etc and its unclear because theres no real transparency to any of it</quote> It's not really very hard to have a good credit score. Now the bullshit part is that you need a good credit score to buy a house or car (which are the main ways to get a good credit score). Getting your foot in the door is the main pain in the ass </quote> ... Copied to Clipboard!
Njolk 12/19/21 2:38:35 PM #61:	TheGoldenEel posted... yeah if you cant pay cash up front for a car or a house fuck you imo But you can afford the payments People with bad credit don't pay their debt --- Until you give up the idea that happiness is somewhere else, it will never be where you are <cite>Njolk posted [p:961049726] in TIL credit... [t:79817524]...</cite> <quote>TheGoldenEel posted... </cite> <quote>yeah if you cant pay cash up front for a car or a house fuck you imo</quote> But you can afford the payments People with bad credit don't pay their debt </quote> ... Copied to Clipboard!
littlebro07 12/19/21 2:49:39 PM #62:	s0nicfan posted... There's also the fact that the credit scores you're given online aren't even guaranteed to match the scores that lenders are given. The fact that there are multiple formulas, none of which anybody is given access to, combined with the fact that they don't even have to give you a real calculation, means that nobody really has a good sense of exactly how credit works, which is a problem. https://www.cnbc.com/2019/05/10/those-credit-scores-you-see-may-not-be-what-lenders-use.html yep still bitter about the time I paid $30 for my Equifax credit score from Equifax so I could try to refinance my car loan without a hard inquiry dinging it a few points. they said I had a 673. I knew I needed at least a 650 to get the rate I was aiming for. Went to the bank, applied for the refinance, and their Equifax score came back as 635. So not only did I waste $30, I dinged my score a few points anyway. --- https://i.imgtc.com/MGGa6Os.gif <cite>littlebro07 posted [p:961050021] in TIL credit... [t:79817524]...</cite> <quote>s0nicfan posted... </cite> <quote>There's also the fact that the credit scores you're given online aren't even guaranteed to match the scores that lenders are given. The fact that there are multiple formulas, none of which anybody is given access to, combined with the fact that they don't even have to give you a real calculation, means that nobody really has a good sense of exactly how credit works, which is a problem. https://www.cnbc.com/2019/05/10/those-credit-scores-you-see-may-not-be-what-lenders-use.html</quote> yep still bitter about the time I paid $30 for my Equifax credit score from Equifax so I could try to refinance my car loan without a hard inquiry dinging it a few points. they said I had a 673. I knew I needed at least a 650 to get the rate I was aiming for. Went to the bank, applied for the refinance, and their Equifax score came back as 635. So not only did I waste $30, I dinged my score a few points anyway. </quote> ... Copied to Clipboard!
mustachedmystic 12/19/21 3:18:14 PM #63:	Returning_CEmen posted... When did credit cards get rolled out because the two should go hand in hand, right? I dont know about bank cards(Mastercard, Vista, etc.) but my mom got her first department store card around 1955. --- Vegy is a 30 year old man, who's pretending to be a 60 year old woman that likes to act like a 57 year old man that pretends to be a horny 16 year old boy. <cite>mustachedmystic posted [p:961050750] in TIL credit... [t:79817524]...</cite> <quote>Returning_CEmen posted... </cite> <quote>When did credit cards get rolled out because the two should go hand in hand, right?</quote>I dont know about bank cards(Mastercard, Vista, etc.) but my mom got her first department store card around 1955. </quote> ... Copied to Clipboard!
WingsOfGood 12/19/21 3:50:12 PM #64:	Prismsblade posted... Seriously, if you people actually spent more time learning about them rather then writing them off as some vague, capitalists scam you'd have a high score and taking advantage of all the perks it offers. Why is this always how these kinda posts end? "You guys just not like me who is smart and taking advantage and know the system! I am smart! I am success! I am America!" bald eagle flies by clap clap clap <cite>WingsOfGood posted [p:961051561] in TIL credit... [t:79817524]...</cite> <quote>Prismsblade posted... </cite> <quote>Seriously, if you people actually spent more time learning about them rather then writing them off as some vague, capitalists scam you'd have a high score and taking advantage of all the perks it offers.</quote> Why is this always how these kinda posts end? "You guys just not like me who is smart and taking advantage and know the system! I am smart! I am success! I am America!" bald eagle flies by clap clap clap </quote> ... Copied to Clipboard!
WingsOfGood 12/19/21 3:53:18 PM #65:	TheGoldenEel posted... or checking your credit too much, etc etc My home insurance literally tried to say they raised my price substantially because I checked my credit too much or opened too many new accounts. I literally had done neither in a whole year and a half. Was bs cause I easily found cheaper insurance. <cite>WingsOfGood posted [p:961051650] in TIL credit... [t:79817524]...</cite> <quote>TheGoldenEel posted... </cite> <quote>or checking your credit too much, etc etc</quote> My home insurance literally tried to say they raised my price substantially because I checked my credit too much or opened too many new accounts. I literally had done neither in a whole year and a half. Was bs cause I easily found cheaper insurance. </quote> ... Copied to Clipboard!
divot1338 12/19/21 3:57:26 PM #66:	Credit is a total scam. --- Moustache twirling villian https://i.imgur.com/U3lt3H4.jpg- Kerbey <cite>divot1338 posted [p:961051766] in TIL credit... [t:79817524]...</cite> <quote>Credit is a total scam. </quote> ... Copied to Clipboard!
1337toothbrush 12/19/21 4:20:57 PM #67:	My credit score is held down because I have the gall to hold absolutely no debt and pay off my credit cards every month. --- https://imgur.com/a/FU9H8 - http://i.imgur.com/ZkQRDsR.png - http://i.imgur.com/2x2gtgP.jpg <cite>1337toothbrush posted [p:961052447] in TIL credit... [t:79817524]...</cite> <quote>My credit score is held down because I have the gall to hold absolutely no debt and pay off my credit cards every month. </quote> ... Copied to Clipboard!
Bad_Mojo 12/19/21 4:31:17 PM #68:	I have an extra $1,500-$2,000 each month after my expenses and they will not give me a credit card. Not a Visa, not a Amazon cards, not a Best Buy one. I dont know why my credit is so bad, Ive never done anything wrong. No late payments, no debt, nothing. --- https://i.imgtc.com/hQ5SuG6.gif https://i.imgtc.com/QrhAq36.gif https://i.imgtc.com/Yjov9DU.gif <cite>Bad_Mojo posted [p:961052743] in TIL credit... [t:79817524]...</cite> <quote>I have an extra $1,500-$2,000 each month after my expenses and they will not give me a credit card. Not a Visa, not a Amazon cards, not a Best Buy one. I dont know why my credit is so bad, Ive never done anything wrong. No late payments, no debt, nothing. </quote> ... Copied to Clipboard!
WingsOfGood 12/19/21 4:33:14 PM #69:	1337toothbrush posted... My credit score is held down because I have the gall to hold absolutely no debt and pay off my credit cards every month. But I was told that is how you get good credit. hmmmmmmmmmmmmm <cite>WingsOfGood posted [p:961052806] in TIL credit... [t:79817524]...</cite> <quote>1337toothbrush posted... </cite> <quote>My credit score is held down because I have the gall to hold absolutely no debt and pay off my credit cards every month.</quote> But I was told that is how you get good credit. hmmmmmmmmmmmmm </quote> ... Copied to Clipboard!
ScazarMeltex 12/19/21 4:33:58 PM #70:	Prismsblade posted... Idk anything about this formula you speak of and never needed it. Just do what the they tell you to do on the FICO page and you're have a high score in due time. Although it may take longer then some depending on your history. Yes, because you're have 1 less open account which in turn affects your account age and again, your credit score. But as it ages, it will eventually rise again. None of this is a secret. Seriously, if you people actually spent more time learning about them rather then writing them off as some vague, capitalists scam you'd have a high score and taking advantage of all the perks it offers. Lol fuck off, my score is over 800, that doesn't change the fact that the whole system is fucking scam. If it wasn't they would release the exact formulae and criteria they use. --- "If you wish to converse with me define your terms" Voltaire <cite>ScazarMeltex posted [p:961052826] in TIL credit... [t:79817524]...</cite> <quote>Prismsblade posted... </cite> <quote>Idk anything about this formula you speak of and never needed it. Just do what the they tell you to do on the FICO page and you're have a high score in due time. Although it may take longer then some depending on your history. Yes, because you're have 1 less open account which in turn affects your account age and again, your credit score. But as it ages, it will eventually rise again. None of this is a secret. Seriously, if you people actually spent more time learning about them rather then writing them off as some vague, capitalists scam you'd have a high score and taking advantage of all the perks it offers.</quote>Lol fuck off, my score is over 800, that doesn't change the fact that the whole system is fucking scam. If it wasn't they would release the exact formulae and criteria they use. </quote> ... Copied to Clipboard!
1337toothbrush 12/19/21 4:35:36 PM #71:	I wonder how many of these people here defending the credit score system are screaming their heads off about China's social credit score system. --- https://imgur.com/a/FU9H8 - http://i.imgur.com/ZkQRDsR.png - http://i.imgur.com/2x2gtgP.jpg <cite>1337toothbrush posted [p:961052861] in TIL credit... [t:79817524]...</cite> <quote>I wonder how many of these people here defending the credit score system are screaming their heads off about China's social credit score system. </quote> ... Copied to Clipboard!
BadderHare 12/19/21 4:37:34 PM #72:	when toothbrush says shit like "Assad isn't a dictator" you think it can't get funnier and yet there that is <cite>BadderHare posted [p:961052920] in TIL credit... [t:79817524]...</cite> <quote>when toothbrush says shit like "Assad isn't a dictator" you think it can't get funnier and yet there that is </quote> ... Copied to Clipboard!
Mearcstapa 12/19/21 4:38:43 PM #73:	Id get banned for describing what I think should happen to Equifax and their leadership after their data breach. --- after years of waiting nothing came <cite>Mearcstapa posted [p:961052957] in TIL credit... [t:79817524]...</cite> <quote>Id get banned for describing what I think should happen to Equifax and their leadership after their data breach. </quote> ... Copied to Clipboard!
divot1338 12/19/21 4:39:58 PM #74:	Mearcstapa posted... Id get banned for describing what I think should happen to Equifax and their leadership after their data breach. Would you yell Credit karma, bitch! as it happened? --- Moustache twirling villian https://i.imgur.com/U3lt3H4.jpg- Kerbey <cite>divot1338 posted [p:961052993] in TIL credit... [t:79817524]...</cite> <quote>Mearcstapa posted... </cite> <quote>Id get banned for describing what I think should happen to Equifax and their leadership after their data breach.</quote>Would you yell Credit karma, bitch! as it happened? </quote> ... Copied to Clipboard!
Unsugarized_Foo 12/19/21 4:40:45 PM #75:	Mearcstapa posted... Id get banned for describing what I think should happen to Equifax and their leadership after their data breach. That whole thing was disgusting. What's their solution? You pay for their service to protect your information from their mistake? Like jfc --- "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana <cite>Unsugarized_Foo posted [p:961053013] in TIL credit... [t:79817524]...</cite> <quote>Mearcstapa posted... </cite> <quote>Id get banned for describing what I think should happen to Equifax and their leadership after their data breach.</quote> That whole thing was disgusting. What's their solution? You pay for their service to protect your information from their mistake? Like jfc </quote> ... Copied to Clipboard!
Unsugarized_Foo 12/19/21 4:43:06 PM #76:	1337toothbrush posted... I wonder how many of these people here defending the credit score system are screaming their heads off about China's social credit score system. They're not really comparable. They're just similar in presentation --- "All I have is my balls and my word, and I don't break them for anyone!"-Tony Montana <cite>Unsugarized_Foo posted [p:961053074] in TIL credit... [t:79817524]...</cite> <quote>1337toothbrush posted... </cite> <quote>I wonder how many of these people here defending the credit score system are screaming their heads off about China's social credit score system.</quote> They're not really comparable. They're just similar in presentation </quote> ... Copied to Clipboard!
ElatedVenusaur 12/19/21 4:46:02 PM #77:	1337toothbrush posted... I wonder how many of these people here defending the credit score system are screaming their heads off about China's social credit score system. Ive had this thought too. Unaccountable financial corporation voodoo vs. unaccountable authoritarian government voodoo iswell, no one but the financial industry or the CCP wins lol. --- I'm Queen of Tomorrow baby! She/her <cite>ElatedVenusaur posted [p:961053153] in TIL credit... [t:79817524]...</cite> <quote>1337toothbrush posted... </cite> <quote>I wonder how many of these people here defending the credit score system are screaming their heads off about China's social credit score system.</quote>Ive had this thought too. Unaccountable financial corporation voodoo vs. unaccountable authoritarian government voodoo iswell, no one but the financial industry or the CCP wins lol. </quote> ... Copied to Clipboard!
WingsOfGood 12/19/21 5:07:58 PM #78:	Unsugarized_Foo posted... That whole thing was disgusting. What's their solution? You pay for their service to protect your information from their mistake? Like jfc their solution is "sorry, but the world runs on credit so too bad for you hahahahah" <cite>WingsOfGood posted [p:961053751] in TIL credit... [t:79817524]...</cite> <quote>Unsugarized_Foo posted... </cite> <quote>That whole thing was disgusting. What's their solution? You pay for their service to protect your information from their mistake? Like jfc</quote> their solution is "sorry, but the world runs on credit so too bad for you hahahahah" </quote> ... Copied to Clipboard!
sutree 12/19/21 9:10:14 PM #79:	Bad_Mojo posted... I have an extra $1,500-$2,000 each month after my expenses and they will not give me a credit card. Not a Visa, not a Amazon cards, not a Best Buy one. I dont know why my credit is so bad, Ive never done anything wrong. No late payments, no debt, nothing. Do you just not have a credit history? If not you probably aren't going to get accepted for a rewards card. Just get a secured credit card. --- In the time of chimpanzees I was a monkey <cite>sutree posted [p:961060263] in TIL credit... [t:79817524]...</cite> <quote>Bad_Mojo posted... </cite> <quote>I have an extra $1,500-$2,000 each month after my expenses and they will not give me a credit card. Not a Visa, not a Amazon cards, not a Best Buy one. I dont know why my credit is so bad, Ive never done anything wrong. No late payments, no debt, nothing.</quote>Do you just not have a credit history? If not you probably aren't going to get accepted for a rewards card. Just get a secured credit card. </quote> ... Copied to Clipboard!
pure_temper 12/19/21 9:12:20 PM #80:	life hack - take a college class or two and get a small student loan to get a fancy nice laptop that'll last you like 3-5 years. like a shiny nice macbook pro. it'll be low interest and maybe even eventually discharged, and it improves your credit score if you pay it every month for a bit. should have a nice laptop anyway and a class couldn't hurt and it's just a small way to show that you can repay money that was borrowed, which makes creditors more willing to lend in the future and in larger amounts. --- It's obvious all religions are fundamentally true. <cite>pure_temper posted [p:961060309] in TIL credit... [t:79817524]...</cite> <quote>life hack - take a college class or two and get a small student loan to get a fancy nice laptop that'll last you like 3-5 years. like a shiny nice macbook pro. it'll be low interest and maybe even eventually discharged, and it improves your credit score if you pay it every month for a bit. should have a nice laptop anyway and a class couldn't hurt and it's just a small way to show that you can repay money that was borrowed, which makes creditors more willing to lend in the future and in larger amounts. </quote> ... Copied to Clipboard!
sutree 12/19/21 9:13:53 PM #81:	pure_temper posted... life hack - take a college class or two and get a small student loan to get a fancy nice laptop that'll last you like 3-5 years. like a shiny nice macbook pro. it'll be low interest and maybe even eventually discharged, and it improves your credit score if you pay it every month for a bit. should have a nice laptop anyway and a class couldn't hurt and it's just a small way to show that you can repay money that was borrowed, which makes creditors more willing to lend in the future and in larger amounts. or just get a credit card to raise your score instead of paying thousands of dollars to do the same thing --- In the time of chimpanzees I was a monkey <cite>sutree posted [p:961060347] in TIL credit... [t:79817524]...</cite> <quote>pure_temper posted... </cite> <quote>life hack - take a college class or two and get a small student loan to get a fancy nice laptop that'll last you like 3-5 years. like a shiny nice macbook pro. it'll be low interest and maybe even eventually discharged, and it improves your credit score if you pay it every month for a bit. should have a nice laptop anyway and a class couldn't hurt and it's just a small way to show that you can repay money that was borrowed, which makes creditors more willing to lend in the future and in larger amounts.</quote>or just get a credit card to raise your score instead of paying thousands of dollars to do the same thing </quote> ... Copied to Clipboard!
pure_temper 12/19/21 9:14:23 PM #82:	sutree posted... or just get a credit card instead of paying thousands of dollars to do the same thing i'm responding to the person who is unable to get credit. it's easier to get a small student loan than a credit card. --- It's obvious all religions are fundamentally true. <cite>pure_temper posted [p:961060364] in TIL credit... [t:79817524]...</cite> <quote>sutree posted... </cite> <quote>or just get a credit card instead of paying thousands of dollars to do the same thing</quote> i'm responding to the person who is unable to get credit. it's easier to get a small student loan than a credit card. </quote> ... Copied to Clipboard!
sutree 12/19/21 9:19:18 PM #83:	pure_temper posted... i'm responding to the person who is unable to get credit. it's easier to get a small student loan than a credit card. If what he said is true there is no way he would get denied for a secured card. --- In the time of chimpanzees I was a monkey <cite>sutree posted [p:961060477] in TIL credit... [t:79817524]...</cite> <quote>pure_temper posted... </cite> <quote>i'm responding to the person who is unable to get credit. it's easier to get a small student loan than a credit card.</quote>If what he said is true there is no way he would get denied for a secured card. </quote> ... Copied to Clipboard!
indica 12/19/21 9:23:28 PM #84:	[LFAQs-redacted-quote] Yeah, the companies also make money off selling the information that you're obligated to give to buy anything (just like social media, you are the product)...credit scores should not be help by corporate entities --- There is no good. There is no evil. There just is. <cite>indica posted [p:961060564] in TIL credit... [t:79817524]...</cite> <quote><cite>[LFAQs-redacted-quote]</cite> Yeah, the companies also make money off selling the information that you're obligated to give to buy anything (just like social media, you are the product)...credit scores should not be help by corporate entities </quote> ... Copied to Clipboard!
lZUAL_REBlRTH 12/20/21 6:33:26 AM #85:	Derwood posted... That's clearly not what he's talking about Then he needs to clarify his position then. <cite>lZUAL_REBlRTH posted [p:961068575] in TIL credit... [t:79817524]...</cite> <quote>Derwood posted... </cite> <quote>That's clearly not what he's talking about</quote> Then he needs to clarify his position then. </quote> ... Copied to Clipboard!
Very_Unreliable 12/20/21 8:16:23 AM #86:	Theres like a grand average of like 560 in this thread right now. --- RyuGigas <cite>Very_Unreliable posted [p:961069718] in TIL credit... [t:79817524]...</cite> <quote>Theres like a grand average of like 560 in this thread right now. </quote> ... Copied to Clipboard!
trappedunderice 12/20/21 8:26:33 AM #87:	Life is a joke. <cite>trappedunderice posted [p:961069850] in TIL credit... [t:79817524]...</cite> <quote>Life is a joke. </quote> ... Copied to Clipboard!
1337toothbrush 12/20/21 9:13:07 AM #88:	Very_Unreliable posted... Theres like a grand average of like 560 in this thread right now. "Only people with a bad credit score would dislike the idea of credit scores" garbage take, bro --- https://imgur.com/a/FU9H8 - http://i.imgur.com/ZkQRDsR.png - http://i.imgur.com/2x2gtgP.jpg <cite>1337toothbrush posted [p:961070458] in TIL credit... [t:79817524]...</cite> <quote>Very_Unreliable posted... </cite> <quote>Theres like a grand average of like 560 in this thread right now.</quote>"Only people with a bad credit score would dislike the idea of credit scores" garbage take, bro </quote> ... Copied to Clipboard!
Veggeta_MAX 12/20/21 9:14:16 AM #89:	How did things work before credit cards? How would you get a loan? --- I'm Veggeta X's alt <cite>Veggeta_MAX posted [p:961070478] in TIL credit... [t:79817524]...</cite> <quote>How did things work before credit cards? How would you get a loan? </quote> ... Copied to Clipboard!
Very_Unreliable 12/20/21 9:22:28 AM #90:	1337toothbrush posted... "Only people with a bad credit score would dislike the idea of credit scores" garbage take, bro Realistic take bro --- RyuGigas <cite>Very_Unreliable posted [p:961070619] in TIL credit... [t:79817524]...</cite> <quote>1337toothbrush posted... </cite> <quote>"Only people with a bad credit score would dislike the idea of credit scores" garbage take, bro</quote>Realistic take bro </quote> ... Copied to Clipboard!
ThyCorndog 12/20/21 9:27:15 AM #91:	My credit score is good but I still think they're dumb I never wanna hear someone bitch about chinas stupid social score thing if they actually support credit scores existing --- https://i.imgur.com/6cPXvLN.jpg https://i.imgur.com/hVC4i6j.jpg <cite>ThyCorndog posted [p:961070701] in TIL credit... [t:79817524]...</cite> <quote>My credit score is good but I still think they're dumb I never wanna hear someone bitch about chinas stupid social score thing if they actually support credit scores existing </quote> ... Copied to Clipboard!
1337toothbrush 12/20/21 9:52:59 AM #92:	Very_Unreliable posted... Realistic take bro Is this also how you defend social credit score? --- https://imgur.com/a/FU9H8 - http://i.imgur.com/ZkQRDsR.png - http://i.imgur.com/2x2gtgP.jpg <cite>1337toothbrush posted [p:961071140] in TIL credit... [t:79817524]...</cite> <quote>Very_Unreliable posted... </cite> <quote>Realistic take bro</quote>Is this also how you defend social credit score? </quote> ... Copied to Clipboard!
WingsOfGood 12/20/21 12:42:52 PM #93:	Veggeta_MAX posted... How did things work before credit cards? How would you get a loan? Wrong question to ask. @Veggeta_MAX To criticize a current system for its flaws is not to suggest to going back to what was before. You being in IT should know that more than others. <cite>WingsOfGood posted [p:961074954] in TIL credit... [t:79817524]...</cite> <quote>Veggeta_MAX posted... </cite> <quote>How did things work before credit cards? How would you get a loan?</quote> Wrong question to ask. @Veggeta_MAX To criticize a current system for its flaws is not to suggest to going back to what was before. You being in IT should know that more than others. </quote> ... Copied to Clipboard!
lZUAL_REBlRTH 12/20/21 1:00:06 PM #94:	WingsOfGood posted... Wrong question to ask. @Veggeta_MAX To criticize a current system for its flaws is not to suggest to going back to what was before. You being in IT should know that more than others. I agree. I am interested in how it worked before though. <cite>lZUAL_REBlRTH posted [p:961075464] in TIL credit... [t:79817524]...</cite> <quote>WingsOfGood posted... </cite> <quote>Wrong question to ask. @Veggeta_MAX To criticize a current system for its flaws is not to suggest to going back to what was before. You being in IT should know that more than others.</quote> I agree. I am interested in how it worked before though. </quote> ... Copied to Clipboard!
WingsOfGood 12/21/21 9:12:31 AM #95:	lZUAL_REBlRTH posted... I agree. I am interested in how it worked before though. You were interviewed at the bank and the interviewer could give or deny the loan. <cite>WingsOfGood posted [p:961098238] in TIL credit... [t:79817524]...</cite> <quote>lZUAL_REBlRTH posted... </cite> <quote>I agree. I am interested in how it worked before though.</quote> You were interviewed at the bank and the interviewer could give or deny the loan. </quote> ... Copied to Clipboard!
Heliogabalus 12/21/21 9:13:54 AM #96:	My dads favourite saying is neither a borrorwer nor a lender be --- The world is a worse place now than it ever was before, but far better than it ever will be again. <cite>Heliogabalus posted [p:961098261] in TIL credit... [t:79817524]...</cite> <quote>My dads favourite saying is neither a borrorwer nor a lender be </quote> ... Copied to Clipboard!
lZUAL_REBlRTH 12/21/21 3:23:38 PM #97:	WingsOfGood posted... You were interviewed at the bank and the interviewer could give or deny the loan. well that seems open to abuse <cite>lZUAL_REBlRTH posted [p:961107233] in TIL credit... [t:79817524]...</cite> <quote>WingsOfGood posted... </cite> <quote>You were interviewed at the bank and the interviewer could give or deny the loan.</quote> well that seems open to abuse </quote> ... Copied to Clipboard!
indica 12/22/21 3:30:45 AM #98:	Returning_CEmen posted... When did credit cards get rolled out because the two should go hand in hand, right? https://www.britannica.com/topic/credit-card the 50s starting in the U.S. --- There is no good. There is no evil. There just is. <cite>indica posted [p:961122459] in TIL credit... [t:79817524]...</cite> <quote>Returning_CEmen posted... </cite> <quote>When did credit cards get rolled out because the two should go hand in hand, right?</quote>https://www.britannica.com/topic/credit-card the 50s starting in the U.S. </quote> ... Copied to Clipboard!
ExtremeLuchador 12/22/21 4:25:32 AM #99:	Go watch the episodes of Roseanne when they trying to open the bike shop, diner, etc. for an example of how it used to be. --- "It was horrible," guard Jeff McInnis said. "I took 100 naps and we were still in the air." <cite>ExtremeLuchador posted [p:961122980] in TIL credit... [t:79817524]...</cite> <quote>Go watch the episodes of Roseanne when they trying to open the bike shop, diner, etc. for an example of how it used to be. </quote> ... Copied to Clipboard!
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Current Events > TIL credit scores didn't exist before 1989 (+) Yeah! (+)

Current Events > TIL credit scores didn't exist before 1989