equifax/transunion: we’re going to hold all your personal information in a database to “determine your credit worthiness.” don’t worry, it’s totally secure- WHOOPS, we got hacked! guess everyone has your personal information and phone number now
me: *uses a separate phone number for various purposes to manage spam and potential identify theft from data breaches
equifax/transunion: oh, look! we don’t care why, but there are “too many different phone numbers” being reported for you. we’re lowering your credit score
me: sigh 🤷
Somewhat related: I just gave up on keeping a clean credit score. I realized now at 35 that I’m never going to own a house in my crazy expensive city, and I’m never going to buy a brand new car so what’s the use of having a great score?
I still pay off all my debt but I don’t give a fuck if I miss a payment when the greedy fucks are charging high interest anyway.
I just gave up
at some point, I realized I don’t ever want to be their idea of a perfect person to loan money to (read: perfect person to drown in debt and make as much money as possible from), and I wear that “unworthiness” as a badge of honor
These fake ass credit scores don’t even follow you from country to country, they’re literally only there to disadvantage poor people and create opportunities for usury. I’ve seen people in the USA ascribe morality to their credit scores, but USA people are bootlicking scum by default so no surprise there I guess.
only there to disadvantage poor people
it’s awesome how much money I’m paying various apartment management contractors to pull exactly the same data from exactly the same government agencies and credit bureaus. sometimes multiple apartments use the same application/screening contractor, but they wont re-use the data they pulled without charging me again - it’s not even a week old! some of these are public records they’re pulling! and I already have a current copy of my credit report I could provide them! they tried to legislate a ‘comprehensive reusable tenant screening report’ here (washington state USA), but it’s not mandatory to accept it 🤦the whole thing is scam after scam, double- and triple- dipping
how much do you want to bet some people own apt management companies AND application/screening companies? if my finances were tight, applying for multiple places would be out of the question
…but USA people are bootlicking scum by default so no surprise there I guess.
Hey hey hey now, just most of us.
i wrote ‘by default’, obviously you’re cool
I just find it annoying that when you pay off a loan, such as a vehicle, your credit score often gets heavily dinged FOR BEING DILIGENT AND PAYING OFF DEBT.
Clearly designed to encourage debt.
