• Earthwormjim91@lemmy.world
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    1 year ago

    You think the people that scream about credit scores have ever looked at and analyzed their credit report lol

    • hiddengoat@kbin.social
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      1 year ago

      Yes, you brown-nosing corpo-slurping bootlicking twit, I do in fact keep a pretty damn close watch on my credit score because suckups like you will fellate and propagate any capitalist horseshit you can so I have to rather than just NOT WORRYING ABOUT IT and only applying for lines of credit in line with my income levels.

      Instead it becomes this stupid game of laddering where you can apply for an increase now, but you can’t apply for new credit, but also you need a new loan to maximize your score, no not that kind of loan, no also don’t pay off the loan that’s bad too, why did you need more credit again?

      Anyone ignorant enough to support this needs their own separate financial system that caters to their intrinsic need to be a sub.

      • Earthwormjim91@lemmy.world
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        1 year ago

        Literally nobody is making you apply for lines of credit outside your income levels… that’s entirely on you.

        There’s no game to play. You take out credit, you pay it back. You have revolving credit, you pay the balance every month and don’t carry debt. It’s literally that simple.

        I have never had to apply for an increase in credit limits, pay your bills and banks/credit card companies will just do it automatically.

        It’s really not hard in the least.

        • hiddengoat@kbin.social
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          1 year ago

          So you’ve never had an emergency or a need for a large one-time purchase. Good for you. You are not everyone. The sooner you learn and understand that people that aren’t you exist, the sooner you can graduate high school.

          • Ashyr@sh.itjust.works
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            1 year ago

            Are you arguing that the system is made up or that it’s unfair to the poor?

            I would agree with the latter, but you haven’t been terribly consistent in your argument. I’ve had troubles with my credit score in the past, which is part of why I understand how it works.

            I agree that credit scores unfairly disadvantage the poor, but that’s merely a reflection of deeper economic issues that should be dealt with. Abolishing the credit score won’t enable the poor to suddenly buy houses.

          • Earthwormjim91@lemmy.world
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            1 year ago

            Yes, I have indeed lol. I had a year where our hvac went out and our son second child’s birth bill which racked up thousands that we had to pay out of pocket. We had tens of thousands in unexpected bills that year.

            We had to drain most of our savings and take out a large loan to cover it all. Guess what I did. Paid the damn loan back.

            • PeleSpirit@lemmy.world
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              1 year ago

              We had to drain most of our savings and take out a large loan to cover it all. Guess what I did. Paid the damn loan back.

              Seriously? You think draining your savings is the same as not having any money, lol. You are a wee bit out of touch. Born on 3rd base and expects everyone up to bat should get a home run.

              • Earthwormjim91@lemmy.world
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                1 year ago

                Lmao dude I was born to white trash drug addicts and never lived in one place for more than 9 months because they could never afford rent and kept getting kicked out. I have lived on my own since I was 15

                Born on third base my ASS. I have worked my ass off since I was a teenager. I’ve lived in friends storm cellars, couches, and my truck at times to get where I’m at now.

                I made saving a priority since my first job working at fuckin Burger King in high school.

                • PeleSpirit@lemmy.world
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                  1 year ago

                  So you had friends that helped you live at their place, do you think that maybe there people who don’t have that kind of support system? You did not pull yourself up by your bootstraps, you had a lot of help along the way.

                  Also, now go tell the you that was living in your truck to take from your savings and pay your bills.

                  • KombatWombat@lemmy.world
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                    1 year ago

                    Jesus dude yeah people have had it worse but it’s not a competition. You accused him of not earning his financial position and he explained how your attack on person is baseless. Having friends is a support system, it doesn’t mean you had it easy. If you were not raised by wolves, you’ve had people help you too.

                  • Earthwormjim91@lemmy.world
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                    1 year ago

                    Whatever you say dude. I know I had help. Virtually everyone has help along the way. If you have literally nobody that will let you crash on your couch, maybe you should look deep inside why nobody likes you.

                    Me living in my truck did take from my savings to pay bills. Half the reason I lived in my truck was not to be wasting money on renting some shitty apartment and draining my savings. I maintained a savings the whole time.

                    Keep complaining instead of doing something about it. It’ll guarantee you stay poor.