- This topic has 297 replies, 1 voice, and was last updated 7 months, 1 week ago by
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thoughts?
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I’ve seen some bait, I’ve seen ’em all, but that one, that freaking one, that’s one big ‘ol b8 ya got here ‘ol champ
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Hasn’t yahoo shutdown yet?
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verizon bought them siss but kept their some of their services running.
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whats even credit score for?
i’ve never use credit and ill never do it-
Woke af, never chain yourself to the international garden gnomery.
Buy silver -
Woke af, never chain yourself to the international garden gnomery.
Buy silverYou’re either children or NEETs. Credit is both useful and necessary for functioning in society. Enjoy an unfulfilled life of solitude and ineptitude… but you got the botnet though!!! Haha got em! Good shit guys.
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>Berg
((()))-
(You)
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how does this make you feel?
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tf is that made of
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its belonged to my great, great grandmother. bronze and gold.
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It looks melted, did you get it from a Holocaust victim?
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unsurprised yet indifferent
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[…]
its belonged to my great, great grandmother. bronze and gold.Money can’t buy taste.
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why is it useful or necessary?
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>lease a car
yeah but that’s a moronic waste of money, why would you want to do it?>car loan?
>declined: no history
>mortgage?
>declined: no history
>utility company runs credit check on you?
>declined: pay $200 deposit or fuck off
>employer runs credit check?
>declined: no history
>credit card for a big purchase?
>declined: no history
>latest phone on contract?
>declined: no history
>take out insurance?
>declined: pay the years premium in full, no spreading the cost or fuck off
>hire purchase/buy now pay later?
>declined: no history
>leasing?
>declined: no history
>renting?
>declined: get a guarantor or fuck off
>interest free credit?
>declined: pay the 30% APR or fuck off.-
freaking lol
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>laughs at the reality of the world
ok Jayshawn-
I laugh at you burgerclaps and now at how much of a dumbshit you are that you don’t realise scrotes take the most debt
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>thinking about scrotes
ya ok, no thanks hah-
>Jayshawn
you brought em up
how freaking low is your iq
just go take a loan or something lul-
i didnt bring up jayshawn, plz take ur meds
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>credit scores are a US exclusive thing
You’ll grow up some day.-
>for renting
>for employment
your country will too-
You’ll find some places do check credit for renting in Europe, it depends on the market (like in London or Paris the market is nuts and nobody gives a shit beyond getting people in, in surrounding areas and medium sized cities some places will check), and if you ever got as far as being taken to court you’re bonked pretty much most places. Employment would be a big no no though, but banks used to pretty much spy on employee’s accounts in many places like pre 2000s.
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>credit scores are a US exclusive thing
This is a fact.-
>Japan, UK, Netherlands, US, Canada, Spain, France, Germany, Brazil, Australia, China0
just a few examples eh?
https://www.businessinsider.com/credit-score-around-the-world-2018-8>utility company runs credit check on you?
>declined: pay $200 deposit or fuck off
They never do that
>employer runs credit check?
>declined: no history
They never do tjay
>credit card for a big purchase?
>declined: no history
That one is true
>latest phone on contract?
>declined: no history
False. Literal bums can get phones on contract.
>take out insurance?
>declined: pay the years premium in full, no spreading the cost or fuck off
True also.
>hire purchase/buy now pay later?
>declined: no history
True
>leasing?
>declined: no history
False. They dont give those to individuals anymore.
>renting?
>declined: get a guarantor or fuck off
False. I rented 2 flats in my life and all they ask for is cash. They dont even care uf you give them a false name
>interest free credit?
>declined: pay the 30% APR or fuck off.
Nit given to individuals.I am not in US btw
We aren’t talking about the third-world poojeet.
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I live in Germany and never had to deal with credit scores, the only time I took a loan the bank just used my house as backup. It’s paid now. When I do contract loans and pay in parts, the bank just asks for 6 month income report.
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>Many countries don’t use credit scores like the US
literally in the headline
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>the World
only Burgerland. In West Europe, a clean credit record is regarded extremely highly by banks.
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>>car loan?
buy a used car, with cash. no loan.
>>mortgage?
offer a bigger down payment and/or get mom to cosign for you.
>>utility company runs credit check on you?
pay the deposit.
>>employer runs credit check?
isn’t this illegal?
>>credit card for a big purchase?
save money, buy it with cash.
>>latest phone on contract?
even stupider than leasing a car. Buy a $150 phone with cash, get a prepaid plan.
>>take out insurance?
They didn’t ask me to do that. but I’m guessing even if they did if you pay a full year then the next year they’ll let you pay monthly or whatever.
>>hire purchase/buy now pay later?
don’t do that.
>>leasing?
as in the car, above? don’t do that.
>>renting?
so get a guarantor. Or just offer to prepay X months of it, like some of the other things.
>>interest free credit?
For what?All this boils down to a very simple concept: Don’t buy shit that you can’t afford. If you have the cash for it sitting in your account, you can afford it. If you don’t, you can’t. I’d say the only exception to that rule that I’d countenance is a mortgage. Everything else, you just don’t borrow money that you don’t have.
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something i don’t get is why anyone takes something on loan when they can put that same payment into a savings account monthly get it for its real pirce and not go into debt with someone
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their parents never taught them any of that "delayed gratification" stuff. They see thing, they want thing, they won’t wait for thing. Sure they’re freaking themselves over, but they never think about that, that’s a problem for future them. Then the end of the month comes and they’re broke and have a bunch of bills and they wonder how this happened. Do they pare back their expenses? No, they just do whatever it is that they have to do to pay off the most pressing bills and carry on.
getting my first job and meeting people who live like this was alarming and unsettling, they’re most of the population.
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te problem is this will all eventually come to a head and everything will come crashing down isnt this similar to how the great depression happened?
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the great depression was nothing, just scrotebrained peasants giving all their money to garden gnomes to buy paper
this is weimar republic levels of degredation, so ww3 is next
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This was something that surprised me too. I didn’t actually realise that people still lived like that, until I met my flatmate’s work friend. She was making pretty good money as an accountant, but she was essentially broke. I totally couldn’t understand why. She had a decent job and it didn’t seem like her expenses were all that high, but turns out she bought a lot of clothes.
Really surprising and she didn’t even seem the type to blow all her money on dumb shit like that.-
I knew a guy who was making six figures and was always broke, pretty much all on consooming. He looked at me like I was deprived for living with my parents and driving a ten-year-old car and bringing my lunch from home. He legit couldn’t understand why I would do those things the moment I had the spending power not to.
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cope harder
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There was a greentext a while back of some dude who was a builder or some shit, I forget, basically some blue collar job.
He had a friend who forgot something at his house and the anon offered to take him to his house to pick it up.
When he got there, the house was in a super shitty part of town, was tiny, had a matress on the floor, a computer or whatever, a very cheap tv and all he ate was packet ramen.
The anon asked him why he lived that way, he had money enough to move somewhere nicer.
He replied that he was trying to become financially independent and invested almost everything of his paycheck.
Apparently the dude had like $2m in assets and had done pretty well out of crypto.
He was trying to get to $4m.
I was so freaking impressed, but as with anything on this site, it’s hard to know if it’s true.
I like to think savings-anon is out there somewhere, waiting for the numbers to hit before he cashes out and has a chill life. -
The investing life is a big hole, you always want a higher number.
I got a family friend that drives a $2000 hatchback, lives in a tiny house and is worth $20m+ in property investments. -
Yeah that guy is totally lost in the numbers. Good on him for keeping the numbers high, but he should just straight up cash out like $5m and buy a nice house
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Americans have been taught to live this way so that bankers get to slowly bleed them dry for everything their whole life, which in turn makes the "economical growth factor" look good. Buy a brand new car on loan now instead of a used one so that we get to brag about how many new cars were sold this year and thus everything is rosy. You don’t need to own realestate goy, just rent it your whole life! Leave nothing for your kids and grandkids the way your parents and grandparents left nothing for you.
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Taking out a loan makes a lot of sense for a lot of situations, but I agree that most people make bad decisions about what they take out loans on.
I like to use zero interest credit cards to buy things I need (e.g. replaced shitty builder-grade toilets a few months ago), but maintain a strong cash flow position in the event there is something I *can’t* use credit for (e.g. charged extra fees for paying with credit or simply not accepting credit). I’d rather build a strong savings now that I can dip into later than cut into my savings all in one transaction.
The same applies to business. I bought a $20k software license but took a loan out on it, not because I can’t afford to pay $20k up front, but because I want the $20k cash to be available during a scale up. Of course I can pay it off whenever I need to, but cash available now is good.-
how about i loan you deez nuts into your mouth
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I charge for that anon.
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ok, you can have .4 apr then
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Good luck saving up enough money to buy a house in the first world.
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#Justnoobthings…margin has been cheeap as fuck the whole last decade.
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>>>car loan?
>buy a used car, with cash. no loan.
yes sit in someone else’s piss shit and cum. no thanks turdie.[…]
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>offer a bigger down payment and/or get mom to cosign for you.
So pass the buck onto your mom and then one day she stops paying? Or you stop paying and fuck her credit? Get real, it’s still a form of credit. Offering a bigger down payment will make NO DIFFERENCE, you will be declined because you have NO HISTORY.. This isn’t pre-2008, they don’t approve every Tom Dick and Harry for mortgages.[…]
company runs credit check on you?
>pay the deposit.
or just have a good credit history?[…]
runs credit check?
>isn’t this illegal?
>Law and finance firms are legally required to perform credit checks on potential employees. But other companies may also ask for permission to run a credit check on you before offering you employment – especially if the role you’re applying for involves dealing with money.[…]
card for a big purchase?
>save money, buy it with cash.
What if you need it now? Idiot.[…]
phone on contract?
>even stupider than leasing a car. Buy a $150 phone with cash, get a prepaid plan.
Enjoy being socially shunned with a crappy $150 phone that’ll break in 13 months.
>>>take out insurance?
>They didn’t ask me to do that. but I’m guessing even if they did if you pay a full year then the next year they’ll let you pay monthly or whatever.
"I’m guessing" is not woke af in reality.
>>>hire purchase/buy now pay later?
>don’t do that.
Why, there’s no difference to paying up front as long as you pay back in the term? It’s great for your credit profile.[…]
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>as in the car, above? don’t do that.
Again, see previous.-
the fact that this dumb motherfucker would ever give anybody advice to buy a new car is all you need to know to discredit everything he ever posts. buying a new car is one of the worst financial decisions anybody can make in their life
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You’re on the LULZ technology board. Why, exactly, do you assume that our priority is social clout? You realize if any of your normie friends knew you frequented this place they would be disgusted
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holy shit mate you need to post on /biz/ you’d fit right in
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you know you can get a car detailed right?
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>yes sit in someone else’s piss shit and cum. no thanks turdie.
You make a habit of pooping in your car or something?
>So pass the buck onto your mom and then one day she stops paying?
a cosigner is only on the hook if you default, do you even know how any of this works?
>or just have a good credit history?
Paying more in interest than the deposit costs? why?
>But other companies may also ask for permission
"No, I don’t give you permission."
>What if you need it now? Idiot.
One, most things, you DON’T need it now. Two, for something that you genuinely do need to buy immediately (maybe your furnace broke? consooming does not qualify) then you just take some money out of savings and pay for it. When you’re not pissing all your cash away, you can save some of it in case something happens, you see.
>Enjoy being socially shunned with a crappy $150 phone that’ll break in 13 months.
I’ve been using a $150 since 2017, and it works fine, I don’t see how it wouldn’t be good for another four years. If some cocksucker looks down on me because I don’t have some flagship or the latest iThing then why do I want to know the poopyhole in the first place? People who only associate with others who keep up with the Joneses are shallow and not going to add anything to your life.
>"I’m guessing" is not woke af in reality.
Tons of places will give ground on this sort of thing if you offer more up front.
>Why, there’s no difference to paying up front as long as you pay back in the term?
You’re paying interest.
>It’s great for your credit profile.
So? If I’m not going to borrow (because that costs more – interest) then I don’t need the "credit profile" shit. You’re just wasting money buying the ability to waste more money.
>Again, see previous.
Likewise. Leasing is stupid. For the same price as a three-year lease you could buy a used car and own it outright. Yours forever. Instead of spending the money and then having no car after three years.-
checked and woke af.
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>You make a habit of pooping in your car or something?
You’re freaking dumb when I’m clearly talking about the second hand car that I would hypothetically purchase. But turdies are always obtuse fuckheads.
>a cosigner is only on the hook if you default, do you even know how any of this works?
You’re showing your true financial independence having to get mommy to help you. What if she fails the credit check they do on her? What are you gonna do then?
>Paying more in interest than the deposit costs? why?
Interest on utilities? are you a moron? Actually, we have already answered that.
>"No, I don’t give you permission."
Can I be denied a job because of bad credit?
Unfortunately, yes. If your employer feels your current financial situation could impact your ability to perform well in the role, or your credit history reveals evidence of bad financial planning, they may decide not to employ you.
Source: Experian..
>One, most things, you DON’T need it now. Two, for something that you genuinely do need to buy immediately (maybe your furnace broke? consooming does not qualify) then you just take some money out of savings and pay for it. When you’re not pissing all your cash away, you can save some of it in case something happens, you see.
Orrrr you have more of your savings over a longer period of time to repay the credit you took at an affordable amount while also being able to continue to save? Funny that.-
>I If some cocksucker looks down on me because I don’t have some flagship or the latest iThing then why do I want to know the poopyhole in the first place?
Studies show not having a modern phone affects every aspect of your life, including dating and employment.
>Tons of places will give ground on this sort of thing if you offer more up front.
Yes, places with absurd interest rates.
>You’re paying interest.
You don’t understand how BNPL works clearly and couldn’t even be bothered to look it up. stop talking.
>So?
So enjoy being declined for shit your whole life when you inevitably need it.
>Instead of spending the money and then having no car after three years.
As with phones, your car also determines your social value and your access to opportunities.Not doublespaced. Doublespacing is the following
This is a doublespaced sentence.
In my case, I’m merely beginning a new paragraph to separate out distinct thoughts. This is fairly common for people who do any kind of work with language, like programming for instance, which is one of the main topics of this board.
You didn’t address any of my points and spouted out le epic memes. Most of the things you listed are not mainstream and barely anyone remembers. I’m legitimately concerned for you if you are old enough to remember all of that, and yet you still act (and write) like a preteen.
>This is fairly common for people who do any kind of work with language.
hitting return twice is a reddit thing and everyone here knows it. Fuck off.
> like programming for instance, which is one of the main topics of this board.
pfffhahahahahahaha that’s why DPT can stay on the catalog for up to 2 days? This is a freaking consumer electronics board, stop attempting to lord over people by saying that programming is this huge thing here when it isn’t.
>Most of the things you listed are not mainstream and barely anyone remembers.
Everything I said has either been mainstream now or mainstream in the past. I’m sorry that its so concerning for a redditor like you that I actually know the history of something rather than consooming what’s presented to you on the homepage. Keep with the adhom though, you can have it back, seeing as you actually have no argument.-
>Studies show not having a modern phone affects every aspect of your life, including dating and employment.
…Source? -
https://screenrant.com/iphone-better-than-android-dating-apps-study/
https://appleinsider.com/articles/20/08/28/an-iphone-makes-you-76-more-attractive-on-dating-apps
https://www.theverge.com/2017/2/14/14619158/apple-iphone-google-android-judgemental-dating-study
https://www.sciencetimes.com/articles/27078/20200828/apple-products-attract-more-lovers-boosting-dating-profiles-76-better.htm
https://www.marketingdive.com/news/survey-iphone-owners-spend-more-have-higher-incomes-than-android-users/541008/
https://www.dailymail.co.uk/sciencetech/article-6356023/iPhone-owners-happier-wealthier-popular-Android-users-study-claims.html
https://www.nytimes.com/2016/11/21/technology/how-apple-empowers-and-employs-the-american-working-class.html -
Dating, sure. I haven’t seen a word about how a modern phone affects your employment.
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you try opening the last 3 links or are you just a mongoloid?
>I understand that any place offering buy-now-pay-later is making money on that deal. They’re making money on offering me credit, if that was less profitable for them than not offering credit, would they do it? No. So why pay more? Buy thing with cash in hand, simplify your life.
You are a massive freaking scrotebrain. The only way you would pay interest on a BNPL arrangement is if you didn’t pay back in the interest-free term. Funnily enough, if you pay back in the interest free term, you pay the cash price of the product, and NOTHING ELSE. But apparently this concept is too difficult for you.
>>So enjoy being declined for shit your whole life when you inevitably need it.
>I have money in savings. Do you? I can do without the latest consoomer shit. Can you?
Yes and yes. Can I do without it, sure. Should I? Fuck no. -
>The only way you would pay interest on a BNPL arrangement is if you didn’t pay back in the interest-free term. Funnily enough, if you pay back in the interest free term, you pay the cash price of the product, and NOTHING ELSE
If I have the cash to do that, why would I bother? I’d just hand over the cash and buy the thing outright. Then I own it and there’s no having to remember to make a payment by X time or else I get charged extra.
>Can I do without it, sure. Should I? Fuck no.
How America keeps itself poor, in ten words. -
Because my Credit card offers 2% off all purchases. I’m literally saving money by using it, at the expense of other irresponsible scrotebrains.
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>If I have the cash to do that, why would I bother? I’d just hand over the cash and buy the thing outright. Then I own it and there’s no having to remember to make a payment by X time or else I get charged extra.
Uhhhhh because its good for your credit and shows responsible financial management, the thing that has been repeatedly stated to you. Not to mention rewards, points, cashback, flyer miles, bonuses and discounts that cash doesn’t give you.
>>Can I do without it, sure. Should I? Fuck no.
>How America keeps itself poor, in ten words.
Be responsible with credit and you’ll find yourself richer. -
>Uhhhhh because its good for your credit and shows responsible financial management, the thing that has been repeatedly stated to you.
And the only reason to care is if you want a loan. I don’t need or want the loan, so I don’t care. All you’re saying is that I should borrow money, which will let me borrow more money, and then that’ll let me borrow even more money. Why?
>Not to mention rewards, points, cashback, flyer miles, bonuses and discounts
I don’t want "rewards points" or "miles". I remember my dad freaking with those things growing up, and picking which card to use at a restaurant or a gas station woke af on which gave him more miles. And then every year the card company increased the price of the rewards you could get with it. You could get flights, provided you were willing to fly when you didn’t want to (bunch of blackout dates), and the other rewards were mostly stupid home-goods stuff and luxury junk that we didn’t need. Cash back? Leave the money in savings, it pays you interest.
>Be responsible with credit and you’ll find yourself richer.
You can use lots of dangerous and harmful things "responsibly". You can drink responsibly or gamble responsibly or so on. But the safest and healthiest thing to do is and always will be "just say no". Same with debt. -
>first study showing apple vs android, nothing about modern vs old phones, study is by phone company trying to sell more expensive phones
>Second article references same study
>third article source 404s
>fourth article references first study again
>404 source again
>same 404 source
>paywall
So you don’t have a source lol -
>>first study showing apple vs android, nothing about modern vs old phones, study is by phone company trying to sell more expensive phones
cope
>>Second article references same study
cope
>>third article source 404s
stop living in the third world, pic related
>>fourth article references first study again
cope
>>404 source again
stop living in the third world, again
>>same 404 source
stop living in the third world, again
>>paywall
stop living in the third world, again
>So you don’t have a source lol
all the links work and you are a moronic turdie who can’t even access basic websites. leave and never return -
>hitting return twice is a reddit thing and everyone here knows it. Fuck off.
Not really, but saying that does seem to be a /poo/ thing. When did you start using this website?>pfffhahahahahahaha that’s why DPT can stay on the catalog for up to 2 days? This is a freaking consumer electronics board, stop attempting to lord over people by saying that programming is this huge thing here when it isn’t.
It’s not really that funny. Serious question: are you on stimulants right now?>Everything I said has either been mainstream now or mainstream in the past. I’m sorry that its so concerning for a redditor like you that I actually know the history of something rather than consooming what’s presented to you on the homepage. Keep with the adhom though, you can have it back, seeing as you actually have no argument.
You haven’t addressed the argument at all. So…Not so much about being le evil redditor. More about having a brain and knowing how to separate out different ideas in a symbolic way.
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>Not really, but saying that does seem to be a /poo/ thing. When did you start using this website?
>It’s really concerning that you remember all these old memes and events.
>but when did you start using this website.
Amazing how you ask a question you already know the answer to. Hint: /poo/ didn’t even exist.
>It’s not really that funny.
Good to see you conceded the point because you know I’m right.
>Serious question: are you on stimulants right now?
Except nicotine and caffeine, no.
>>You haven’t addressed the argument at all. So…
I addressed your dumb point about psychological studies by pointing out that this site is a giant larpfest, which would make the study freaking useless as you could not discern between fact and fiction, due to the sheer amount of trolling. I also addressed the mainstream argument by stating a series of mainstream things going back as far as 2006. Pepe and wojaks are hilariously popular outside of LULZ, all over reddit, twitter, tiktok and instagram. This site is massively mainstream and gets millions of unique visitors. it’s not the sekrit klub you think it is.[…]
hereI gotta go program so
Tweaking anon, I hope you get off the drugs and get some help. You sound like Lee. It would also be a good idea to get out of debt
roasted, toasted, goodbye and never come back..
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>Except nicotine and caffeine, no.
Yes. Those are stimulants. Please quit them for your own sake anon -
>>You don’t understand how BNPL works clearly and couldn’t even be bothered to look it up. stop talking.
I understand that any place offering buy-now-pay-later is making money on that deal. They’re making money on offering me credit, if that was less profitable for them than not offering credit, would they do it? No. So why pay more? Buy thing with cash in hand, simplify your life.
>So enjoy being declined for shit your whole life when you inevitably need it.
I have money in savings. Do you? I can do without the latest consoomer shit. Can you? -
Most BNPL companies make money on merchant fees and late payment fees.
If you’re responsible and don’t spend money you don’t have, you can use it to your advantage.
Coupled with a credit card, I can defer payments up to 6 months without spending an extra cent, and collect the interest on that.I can definitely see how it can easily spiral out of control for those who are irresponsible and I thank those dumbasses.
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>>You’re freaking dumb when I’m clearly talking about the second hand car that I would hypothetically purchase.
Yeah and second-hand cars aren’t like that, cockgoggles. If it bothers your autism so much that someone sat in the same seat that you’re sitting in, well, I don’t know how you function, but there’s plenty of auto places that’ll clean the interior of a car for you.
>You’re showing your true financial independence having to get mommy to help you
Do people who inherit money not count as "independent" in your book? Maybe my mom doesn’t hate me and is happy to help out with such things? Maybe it’s just that I save enough money through taking on less debt that I’m willing to swallow my pride about some things?
>What are you gonna do then?
What if, what if, what if.
>Interest on utilities? are you a moron?
interest on the debt you have to accrue and then pay back in order to escape the deposit. Moron.
>Source: Experian..
Credit-score company says your credit score is VERY IMPORTANT! Wow, stop the freaking presses! What else ya got to sell me?
>Funny that.
see above about playing stupid games. Borrowing money to keep more in savings is never a good idea because the interest you’re making on those savings is going to be less than what you’re paying on the loan. Provided you still have enough of a buffer in savings after the expense. So, y’know, do that, instead of living on no savings like most Americans.[…]
>This is fairly common for people who do any kind of work with language.
hitting return twice is a reddit thing and everyone here knows it. Fuck off.
> like programming for instance, which is one of the main topics of this board.
pfffhahahahahahaha that’s why DPT can stay on the catalog for up to 2 days? This is a freaking consumer electronics board, stop attempting to lord over people by saying that programming is this huge thing here when it isn’t.
>Most of the things you listed are not mainstream and barely anyone remembers.
Everything I said has either been mainstream now or mainstream in the past. I’m sorry that its so concerning for a redditor like you that I actually know the history of something rather than consooming what’s presented to you on the homepage. Keep with the adhom though, you can have it back, seeing as you actually have no argument.>Studies show not having a modern phone affects every aspect of your life, including dating and employment.
Studies show lots of false and spurious things. See previous, if some chick doesn’t want to date me because I have a cheap phone, I want her to dump me straightaway so I don’t waste any more time with the whore.
>Yes, places with absurd interest rates.
you’re forgetting the whole point here about "pay for things up front, don’t pay interest".-
>If it bothers your autism so much that someone sat in the same seat that you’re sitting in, well, I don’t know how you function, but there’s plenty of auto places that’ll clean the interior of a car for you.
They clean buses and trains too, including the seats. Why don’t you try smacking one and seeing what happens?
>Do people who inherit money not count as "independent" in your book? Maybe my mom doesn’t hate me and is happy to help out with such things? Maybe it’s just that I save enough money through taking on less debt that I’m willing to swallow my pride about some things?
Have you not heard the term "trust-fund baby"? It’s a derisive term. So no, not really considering most people blow their inheritances. Funnily enough, the ones that are actually independent from inheritance do something with the money like investment, not just leaving it to sit or blowing it all.
>What if, what if, what if.
>presents a premise
>presents a countenance to the premise
>NOOO THATS WHATABOUTISM
scrote
>interest on the debt you have to accrue and then pay back in order to escape the deposit. Moron.
Do you think you pay interest on a freaking electric or internet bill? lmfao you are clearly still living at home with mommy.
>Credit-score company says your credit score is VERY IMPORTANT! Wow, stop the freaking presses! What else ya got to sell me?
Would you rather I post the other 50 results on Google or will you just accept the point?.
>see above about playing stupid games. Borrowing money to keep more in savings is never a good idea because the interest you’re making on those savings is going to be less than what you’re paying on the loan. Provided you still have enough of a buffer in savings after the expense. So, y’know, do that, instead of living on no savings like most Americans.
If your credit was good, interest rates like 4% on a 12 month term. Pay your full CC bill on time, and you can pay no interest at all! amazing! -
>They clean buses and trains too, including the seats
and I have no problem sitting in them as a result.
>So no, not really considering most people blow their inheritances
So don’t do that? You seem like the type who would considering you’re so eager to try and get a banker to give you money you don’t have so that you can buy more shit.
>scrote
scrote.
>Do you think you pay interest on a freaking electric or internet bill?
your premise was that if you waste a ton of money don debt payments and get a credit score, well, gee, then you don’t have to pay the deposit! I’m saying, why not just pay the deposit instead of wasting all that cash?
>Would you rather I post the other 50 results on Google or will you just accept the point?.
Google wants to show you pages about companies pitching their products, since they’re an ad company. Like, for instance, pages of companies claiming their products are VERY IMPORTANT to your continued well-being! Wow, stop the freaking presses!
Something being widely shilled by those who make money off of it is not necessarily true.
>If your credit was good, interest rates like 4% on a 12 month term
Or I could just pay it and not pay the 4% penalty? Why are you so eager to give money to a bank, anon?
>Pay your full CC bill on time, and you can pay no interest at all! amazing!
And, as with that scrotebrained BNPL shit, if I have the money to do that, I can just pay cash. -
Away from desk on phone so my replies will be brief:
Train and bus seats are filthy as fuck. So are used cars. Don’t hurt your own health because you’re buying a used car and “saving money”, with no telling what problems it has under the hood.
You don’t have to waste money to get good credit. Pay on time or early, you pay little to no interest, and you get access to better products and services in the future. Be irresponsible, and you get consequences. It’s that simple.
Cool, so go look at some high paying jobs on indeed or something or use searx or whatever schizo thing. You’ll find the words “credit check” everywhere.
See above regarding interest rates.
BNPL is great when you need something now and have the ability to spread the cost. In regards to your argument about saving, if you have $250 extra in your savings each month because you’re paying $50 over 6 months on a $300 item, that’s more money from your AER, no?Yes, by showing you can repay commitments you get more credit. Just like in society. You make your commitments, you show up on time, you get more clout. It’s that easy.
You’re turning down free money and opportunities by not taking advantage of rewards programs while managing your finances responsibly. It’s that simple. Let others who aren’t responsible pay for your stuff. that’s how they make money. Not on the responsible forward thinking individual, but the moron.
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>yes sit in someone else’s piss shit and cum. no thanks turdie.
The first thing I do when I get a used car is let it go thru chemical and dry cleaning. -
not sure if garden gnome or a good goy
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[…]
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>so get a guarantor. Or just offer to prepay X months of it, like some of the other things.
Many people do not have these options idiot. Dead parents? No friends (i.e. you)? Landlord has strict requirements? Have to live in some favela with a dodgy landlord instead? Fuck off.
>>interest free credit?
>For what?
For literally anything?>All this boils down to a very simple concept: Don’t buy shit that you can’t afford. If you have the cash for it sitting in your account, you can afford it. If you don’t, you can’t. I’d say the only exception to that rule that I’d countenance is a mortgage. Everything else, you just don’t borrow money that you don’t have.
All this boils down to a very simple concept: Be responsible with credit, pay your bills on time, pay by the due dates to avoid interest, collect points, cashback and frequent flyer miles etc, coverage against fraud, chargebacks, history of good credit management and repayment, and there are literally no downsidesThis is why leases exist. You pay less and just give the car back at the end. Plus many leases include additional perks like insurance, gifts and cashback.
>if I use LULZ you HAVE to be an outcast normie REEE
yeah, nah.-
>buy the lease goy
>you will own nothing and you will be happy
Nah, I’ll just buy a used car for cash. Much cheaper, no social credit score required, and I get to own it afterwards. -
>outcast normie REEE
Think you meant the opposite. You’re getting really angry.You mischaracterized the point. You also are trying to caricaturize me. The point is that your normie friends will, without a doubt, be disgusted that you visit this place.
I am fairly confident that if you did a psychological study on this website that it would in fact be the case (with the exception of /poo/) that the website overall has a high rate of users with antisocial traits. For LULZ, I would not be surprised if most people have aspergers.
If you want to be convincing you have to know your audience
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>doublespaced to fuck
>talking about psychological studies on the biggest LARPsite in existence
Protip ledditor: Everyone knows what this site is, this site has been mainstream for 13 years now, Project Chanology, 2016 election, HWNDU, Pepe, Wojaks, Woke afjaks, motivational posters, r/LULZ, this is bait, laughing tom cruise, ISHYGDDT, LOLcats, rickrolling, chocolate rain, cutforbieber, boobsforbieber, jessie slaughter, consequences will never be the same, boxxy, the list goes freaking on dude. Please, never return.>Many countries don’t use credit scores like the US
literally in the headline>Many countries don’t use credit scores like the US
>>credit scores are a US exclusive thing
>This is a fact.
Goalposts: Moved.
Your ass: Roasted.-
cringe gold
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Credit scores (at least in Europe) are unrecognizable to Americans. I can’t say anything for sure about the third world or Japan because I don’t live there, sorry.
>Mant countries do not have a credit score system like the US, instead only tracking negative credit marks rather than tracking positive ones.
See? Read the article before you post it. The only example I can see that sticks out is the UK. -
Not doublespaced. Doublespacing is the following
This is a doublespaced sentence.
In my case, I’m merely beginning a new paragraph to separate out distinct thoughts. This is fairly common for people who do any kind of work with language, like programming for instance, which is one of the main topics of this board.
You didn’t address any of my points and spouted out le epic memes. Most of the things you listed are not mainstream and barely anyone remembers. I’m legitimately concerned for you if you are old enough to remember all of that, and yet you still act (and write) like a preteen.
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go back to plebbit
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>Many people do not have these options idiot.
many people deliberately get themselves into a situation where they don’t have these options because they piss away money by borrowing indiscriminately. Or just consooming, gambling, and other bad life decisions. That’s on them.
>For literally anything?
Why though? If you want $THING, save money, buy $THING. simple.
>Be responsible with credit, pay your bills on time, pay by the due dates to avoid interest, collect points, cashback and frequent flyer miles etc, coverage against fraud, chargebacks, history of good credit management and repayment
sounds like a lot to manage compared to "it costs $100, I better have $100 if I wanna buy it". Why bother with all that shit, especially since you fuck up you can make your life a living hell of debt collectors, wage garnishment, etc? I don’t want to ever win a stupid prize, so I don’t play stupid games, like being in debt.-
Holy woke af post
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All this boils down to a very simple concept: Don’t buy shit that you can’t afford. If you have the cash for it sitting in your account, you can afford it. If you don’t, you can’t. I’d say the only exception to that rule that I’d countenance is a mortgage. Everything else, you just don’t borrow money that you don’t have.
Guarantors have more stringent financial stuff than the renters, they can require double the income of what they’d give a typical renter. In other words if you’re poor mommy and/or daddy needs to be rich, guarantors aren’t like a magic fix.
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>car loan?
>declined: no history
Banks ask only if you own property worth more than loan
>mortgage?
>declined: no history
As above>utility company runs credit check on you?
>declined: pay $200 deposit or fuck off
They never do that
>employer runs credit check?
>declined: no history
They never do tjay
>credit card for a big purchase?
>declined: no history
That one is true
>latest phone on contract?
>declined: no history
False. Literal bums can get phones on contract.
>take out insurance?
>declined: pay the years premium in full, no spreading the cost or fuck off
True also.
>hire purchase/buy now pay later?
>declined: no history
True
>leasing?
>declined: no history
False. They dont give those to individuals anymore.
>renting?
>declined: get a guarantor or fuck off
False. I rented 2 flats in my life and all they ask for is cash. They dont even care uf you give them a false name
>interest free credit?
>declined: pay the 30% APR or fuck off.
Nit given to individuals.I am not in US btw
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All of these things wouldn’t be a problem if credit wasn’t a thing in the first place. Credit is just a trick to get people tied to debt their entire lives. The fact that people can borrow has inflated the price on all of these things, and now we all HAVE to borrow to afford them unless we come from rich families.
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>why is credit necessary
>so you can buy things you can’t afford on credit!
What if I just buy things with money instead? -
Just don’t be so poor that you need to borrow money.
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>car loan?
Bought my current one off a boomer with cash
>mortgage?
Parents paying off theirs in a couple of years, I’ll inherit their house one day
>employer runs credit check?
I work as a cashier at a mom&pop store, they don’t care. I also get a small amount of tismbux.
>credit card for a big purchase?
I use my bank’s debit card or just stacks of hundreds depending on the situation
>latest phone on contract?
I use prepaid
>take out insurance?
What type? Health? I’m on medicaid. Car? I’ll just pay the state uninsured fee. Life? Don’t need it.
>hire purchase/buy now pay later?
No need
>leasing?
No need
>renting?
No need
>interest free credit?
No need -
I have no history but I have a good job so I was accepted for a home loan easily.
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I’m 30 own a 2 bedroom house and a skyline. Never used credit in my life. Credit is the scrotebrains means to get what they can’t afford
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>Credit is both useful and necessary for functioning in society
LULZ = society outcasts>own a 2 bedroom house and a skyline
no you dont
>Credit is the scrotebrains
yes you are scrotebrain -
>Credit is both useful and necessary for functioning in society
I know you’re garden gnomeposting, but what do you mean by this? I assume you’re referring to getting loans. I’ve never used credit in my life and the topic of credit score never came up when I got a home loan. Maybe it’s important if you earn a shit wage.-
Read the thread in full before replying. This question has been answered. Multiple times. Thanks.
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shut up garden gnome and show the post that answered it
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If you’re referring to this
then it’s just a straight up lie. Why do you lie on an anonymous imageboard schlomo?
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>what’s 1+1 and don’t say 2, give me a real answer
>i’m not the garden gnome here, you are, goy. you don’t good credit to get a mortgage to own your own home, just rent forever from me, eheheheheh
nice try with the double reverse garden gnome pilpul tactics.-
did you actually fail to get a loan without a ‘good credit score’ or did you take someone’s bad advice which you’re now perpetuating like a scrote drone? I had a 20% deposit, not much equity and had never used credit in my life. had no issues getting a loan. I earn a good salary though
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Go get an Amex charge card without a credit history.
Or a mortgage on a $2m house.
You’ll be declined.
>20% upfront
hahahahaha see your credit was so freaking awful they needed a fifth upfront while everyone else can put up as little as 2.5% with preferential interest rates. state of you.-
why would I want a McMansion?
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>no you see I don’t actually want nice things or social standing/clout/prowess, take that!
you’ve been losing for a long while. it’s time to pack it in. -
>I don’t actually want nice things or social standing/clout/prowess
there’s more important shit. nobody on their deathbed is thinking "Man, I wish I would have bought more stuff…" -
> there’s more important shit. nobody on their deathbed is thinking "Man, I wish I would have bought more stuff…"
What you fail to understand being a recluse is that everything is interconnected
>get education: get money
>socialise: get friends
>get money: get resources
>get resources and socialise: get women
>get more resources: move up in society, get more powerful friends and relations
>rinse repeat until death
Many people die wishing they had owned more stuff, or a nicer car, or a nicer retirement. Many people wish they could pass on a fortune to their children. Many people wish they had done better deals, made their own successful business, jet setted around the world, owned a yacht or plane, become famous, starred in a movie, released their own song, had their talent or art recognised. Stop projecting your own misfortunate circumstance onto others and claiming it the norm. Because you’re empirically wrong. -
>get resources and socialise: get women
You mean "or" -
You don’t get a girl with no social skills or no resources. You have to have something to offer, and it needs to be both if you want anyone that is anything above a mud person or welfare claimant. Guess you’d just be happy with the attention huh?
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>i buy things woke af on what they make me look like instead of what i actually need
i think i’ve isolated the problem
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Debtslave detected
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It’s only useful if you are a member of the tribe and don’t have to pay interest
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What verse of the Talmud is this?
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That’s some nice booba, nice bait text too
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> t. rat-faced garden gnome riddled with schizoid dna
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Sounds like a lot of cope, admit your mistake and work on correcting it instead of rationalizing it.
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I bought my car with cash, no debt. I live in my own house, debt free. And I like my solitude.
Life is good. -
Gas yourself
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If you want to buy a house/car and get a loan, better credit = higher chances of getting the loan at all and lower interest rates.
When you sign a new lease for an apartment, you usually get a lower required deposit if you have good credit.
Then applying for a credit card is a lot easier with better credit.
There’s other shit. But that’s the main ones.-
holy cope, imagine trying to justify it so hard
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Such a compelling and thought provoking post.
You truly are one of the greatest minds of our time.-
None of those things are needed to do any of those things. You fell for credit and now you’re locked in and try to make it sound like a good thing to cope. Sad.
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>None of those things are needed to do any of those things.
>these are the words of a genius.
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Why get a loan? It would be scrotebrained to buy something that I can’t afford with what I already have
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not that anon but loans are leverage, people that can afford things also get loans too
For example, one of my credit cards had a bonus promotion going on, 0% APR on purchases for 9 months, Which means if I buy something for $900 and divided the payments up equally (it doesn’t have to be equal), I pay $100 per month and by the 9th month the whole loan will be paid off with interest, so that is no extra cost
If I have the whole $900 at the time of purchase, and I put it into an investment that earns 8% a year, then the first month I earn $6, the second month I earn $5.33, etc etc until the end where I still spent the $900 but used it to simultaneously earn a little bit of money this reducing the overall cost of the product.
yes $6 is a small amount of money, that is why people who use loans, hold their loans much longer than 9 months and for much higher amounts than $900, to earn more money over time
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with no interest*
If a loans interest is 0% that is god tier, but as long as the interest in APR is lower than the gain % from whatever you invest in with the money, then you’re good
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He was making an oversimplified example. Apparently, it was still too complicated for you.
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If you’re buying a house, you can invest the money faster than the interest rate of the loan.
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I buy everything outright. I invite a low credit score. They punish you if you don’t use your credit cards often like a good slave.
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uh oh, digits
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>whats even credit score for?
To award idiots that spend money they don’t have, while punishing people that save. And this arbitrary number that only has been around for half of century can control your life from loan rates to housing. AKA bank scamming their customers out of money like usual.-
>To award idiots that spend money they don’t have, while punishing people that save.
This is basically it. There is no other purpose.
The entire system would crumble if people stopped being scrotebrained and only started spending money they actually own.
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Imagine china’s social credit system but privatized
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to debtmaxx and make the garden gnome seethe
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to find out who is the goodest goy
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In the US, I needed a credit card in order to verify my identity on the IRS’ website so I can get my stimulus check. Just having the card didn’t do shit; apparently had to have some credit history; a credit score.
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to enslave you
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>he think’s the web history is stored locally
[…]
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https://i.imgur.com/36C34a1.gif
*tl;dr: e-boi site requests are served by the man-in-the-middle service named CloudFlare, that can see all the informations sent
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thats not related to your search history scrotebrained frog poster
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>service that hijacks all your internet activity
>not related to your search history-
>connects to proxy
>instantly btfo’d their entire plan
wow that was hard-
>>connects to proxy
cloudflare detects your device’s fingerprint anyway
hardware/system/language/browser/fonts
then browsing habbits
don’t even think about logging in one of the websites
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https://i.imgur.com/36C34a1.gif
*tl;dr: e-boi site requests are served by the man-in-the-middle service named CloudFlare, that can see all the informations sent
thats not related to your search history scrotebrained frog poster
>service that hijacks all your internet activity
>not related to your search history>connects to proxy
>instantly btfo’d their entire plan
wow that was hardI freaking hate cloudflare. Every site I connect to that uses the "checking your browser" bullshit filters me instantly, even though I’m on my home network and not behind 7 proxies. I can’t even access my bank without switching to mobile.
The most "suspicious" thing about my network might be that it is a Tor relay, not even an exit node.-
Don’t ever run an exit node from your home. Put it in a colo so when the feds figure out where it is they realize it isn’t an actual person.
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I don’t know how they’re going to associate the history with "me". I have several Google accounts and even if I’m not using a VPN they can’t assume anything about an IP because of NAT/CGNAT.
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>how they’re going to associate the history with "me".
they basically *Man-in-the-middle’s the whole internet*[…]
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google knows every post you have made on LULZ, they know which device you were on when you made it
what browser, what computer, what device
why do you think it matters if you store it locally or notusing blockers just makes you identifable as the one blocking shit
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Right, but the Google account I’m using on this browser profile isn’t associated with the real me. It doesn’t have my real name, my phone number or anything identifying me as a person. I made it solely to subscribe to vtubers.
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Google links accounts behind the scenes
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So they’re assuming all accounts logged in with the same IP are the same person? My old ISP was CGNAT so that seems like a bad idea. Of course they can fingerprint you but I’m not scrotebrained, I realize you can’t use multiple accounts on the same device/browser or they’ll link them together.
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How are you so naive? No, they use heuristics, dummy.
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Your credit score is now determined by "heuristics". Right. I guarantee I know more than you about the intricacies of web fingerprinting. They can try to link accounts together but they sure as hell can’t do it with such certainty that it would be useful for a credit score calculation.
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Do you understand how statistics work? It can be any certainty, not just close to 100%.
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>we tanked your credit score because your neighbor searched for tucker carlson clips and he’s in the same ip range as you
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Justified.
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ipv6 will identify your exact device lmfao what do you think its for
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IPv6 privacy extensions are on by default on all operating systems now. You receive an entire subnet from your ISP so if you want you can create a setup where different websites receive different IPs, or you can keep using NAT like you do today.
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>what do you think its for
take your freaking meds the standard is older than you are, idiot child
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They can link multiple accounts to the same computer but they cannot guarantee it isn’t multiple users on the same PC, especially if you login from different browsers, and the whole point of this thread is for credit scores, so obviously if your credit score changes then it wouldn’t be behind the scenes anymore
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I HATE THE GLOBOHOMO
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>credit score
>using money you don’t have
lmao -
>credit score
More like a reddit score!
Am I right LULZirls? -
How can an individual have a credit score?I thought only businesses have those.
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Is this bait? Wouldn’t be surprised LULZ users are really this removed from society
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Not him, but only Americans have a credit score in any meaningful capacity. It doesn’t affect Europeans at all unless they acquire a shitload of debt.
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>It doesn’t affect Europeans
ur serious?-
Yes. The answer you receive is either "pass" or "fail" depending if you have or have had overdue/unpaid debts in the past. There’s no need to improve your credit score unless you already bonked it up.
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>There’s no need to improve your credit score
yet they keep record on you, and you agreed when registering your bank account-
Of course they keep a record of me but the only way to fuck up your credit score is to have unpaid debts that are long overdue (think 3+ months) and the government is forced to collect it. You start at the top unlike Americans that have to "improve" their credit score. They don’t track your spending habits or anything else like that, that’s illegal in first world countries.
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I don’t know which country you’re talking about specifically but I think in Germany someone that paid back a loan on time in the past has a better credit score than someone that never took out any loans.
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>I don’t know which country you’re talking about
Sweden. It seems a few countries in Europe have adopted the US model.
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Banks will give you a loan only if you own property thats worth more than the loan. Nobody asks anything about "credit scores". They dont care if you’re a lawyer or a bum, as long as you have something they can take if you dont pay the loan back.
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I can’t verify the truth of that, but credit scores definitely come into play if one wants to for example lease a car, rent, etc.
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>lease a car
In my country they only let companies with good income lease cars, because when the rules were lax right after the fall of communism, nobody actually paid for the cars. -
>lease a car
yeah but that’s a moronic waste of money, why would you want to do it?
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>Nobody asks anything about "credit scores".
they don’t have to, they can track all of the bank transactions, and you most likely signed for historical data analysis bullshit, also in my shithole banks are allowed to share your banking history to some extent
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im glad zoomers are starting to realize the awful scam the credit score system is and hope for it to be demolished soon
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>awful scam
No. You’re scrotebrained or a child or both.
Another broke or hopeless fuck that has no idea what he’s talking about but will say “it’s a scam!!!” Anyways.-
>have to get into and stay in debt to keep the score up but also constantly pay on it like a good boy
how in the fuck is it not s scam?-
>get credit card
>$200 signup bonus
>1.5%-5% cashback
>pay in full every month
>purchase protation
How is this a scam? Maybe stop being poor-
woke af churner
i use my points to buy gold
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its a scam cause it keeps you in debt and keeps you paying them
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Interest doesn’t start to accrue until the next billing cycle. So if you pay the bill in full at the end of the month you don’t pay interest.
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>zoomers are starting to realize
LMAO-
Wtf is a warmth of feeling scale? Why do white republicans and conservatives rate white people under 50 unfavorably? Why are scrotes out of any group looking at white people under 50 most favorably?
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You might want to look up a guide about how to read graphs.
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Even if you took a screencap for bait, it’s not worth having to unironically read this garbage. Your life is limited anon don’t waste it.
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credit scores are only as influential as they are because banks want as many people to take out credit and go into debt
that’s how they make money
it’s gotten to the point that your credit score actually goes down a little if you always pay your debts on time, since you don’t generate a lot of money for the loaners -
My what?
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>rotberg
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>credit score
don’t care, never going to get a loan or other bullshit. the only reason I even have a credit card is to pay back within the hour of using it so I can just get free money for buying groceries -
If they think this won’t form a parallel society where only people below a certain score are allowed in, I don’t know what to say. I already know I’d be absolutely bonked just from what I have saved on my phone
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What kind of score would someone who always has a tab of furry porn open and occasionally watches videos of two cute guys wearing maid outfits exploring each other but usually watches videos of plump milfs squirting and also does online school be like?
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https://i.imgur.com/gjPkiMr.gif
>the bank seeing your internet habits
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Ok then. Fuck scrotes. I said it. Make my credit score 0 I did not intend to use gnomish banks anyway. Also the halacaust did not happen, but it should have.
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quick reminder to the banks
>pic related -
Oh no, not my going into debt score! How am i going to go through life without buying things i don’t need for more than they’re worth, but paying for them a little later?
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where do i get a 3000 dollar loan to buy a new PC with?
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[…]
>nhentai
you deserve it for getting filtered-
Don’t you have to wait like a week or something for a sadpanda account? Too long to wait for just spankin’ it, might as well just use your imagination at that point.
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I didn’t have to wait a week, it let me login as soon as I finished signing up
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when did you make an account? I had to wait a week and I made my account last year.
also most hentai is on e-hentai anyway I rarely have to go on exhentai myself, even with my weird tastes
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and everyone who had a yahoo account now has 13 identity thieves destroying their credit rating ironically.
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it’s interesting how americans laugh at social credit system when they had it for years
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>tfw already own my parents old house, big 3 story house with a plot of land in the countryside
>when I buy cars I save up and buy for cash
>same for everything else
>BUT DUDE YOU NEED CREDIT-
Not everyone has a house they can inherit from their parents.
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have you thought about being a better son? or better yet, having a better family?
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>tfw 19
>never had a credit card, always pay for stuff when I buy it because deferring payment to a month later makes zero sense to me
>never had debt, paying for my current classes in cash
>still have to get a credit card to "build credit" so I can own a house-
>19
sis you’ve got your whole life, i didnt get my shit together until 27 and im now sitting fat and sassy…just keep trucking friend
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Dude you’re only 19. You’re still in the tutorial levels of life right now.
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>just like my games
>pfffhahahahahahaha that’s why DPT can stay on the catalog for up to 2 days? This is a freaking consumer electronics board, stop attempting to lord over people by saying that programming is this huge thing here when it isn’t.
It’s not really that funny. Serious question: are you on stimulants right now?>Everything I said has either been mainstream now or mainstream in the past. I’m sorry that its so concerning for a redditor like you that I actually know the history of something rather than consooming what’s presented to you on the homepage. Keep with the adhom though, you can have it back, seeing as you actually have no argument.
You haven’t addressed the argument at all. So…[…]
Not so much about being le evil redditor. More about having a brain and knowing how to separate out different ideas in a symbolic way.here
I gotta go program so
Tweaking anon, I hope you get off the drugs and get some help. You sound like Lee. It would also be a good idea to get out of debt
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>lee
HOMOSEXUAL DEATH CULT
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>30 and still never had a credit card
>Bought a house and got a good mortgage
Feels good not living in a 3rd world shithole like the US of Americastan.-
Post skin color
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Here you go, fuck you.
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>leaving your cardboard box on top your graphics card
nice skin tone rabbi muhammaed ibn al isreal
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Hahaha fuck that got me good. That’s not my rig, that’s an old i5 4670 rig I’m going to turn into an emulator box.
I’m also not a sandnig
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I’m 28 and I wish that when I was 19 I didn’t do what you’re doing right now. Stop it, just go be dumb or whatever, you’ll have time to be responsible.
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Smaller, local lenders will weigh your employment history as much if not more than your credit history. You can also build credit if you just have bills in your name. It might cost you some money but look at getting your own phone plan because they can weigh in utility bills and shit too but you probably don’t want to put your parents’ power or water in your name, right? This creditscore shit is only hard for freaking mongoloid scrotebrains and you’ll have a 700 credit score before you’re allowed to drink if you just go out and get a babby credit card and pay it off without carrying a balance like youse a good boy. Just don’t finance no spinnin rimz or a mercedes you can’t make the payments on and you’re gold.
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I should get one for emergencies but I don’t like paying for stuff with money that isn’t mine. even a mortgage skeves me a bit
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>have you thought about being a better son? or better yet, having a better family?
This.
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urban scrotebrains will never understand this feel
keep it up king
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>pic
Dream setup here. -
This is so 2000 and I love it
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How do you buy cars or houses without a credit score?
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You have to already own something of greater value to get loan, or get somebody that does own something to co-sign. There were many family feuds because people got their family members to co-sign and then stopped paying back.
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A house costs like 30k Eur here. That’s couple years saving a small part of my paycheck.
Cars I just buy for cash from savings.
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>yahoo!finance
Of course they would say that. -
i just use my trust fund, thanks though
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thank god I dont live in the land of the ironic freedom
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[…]
good morning sir
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At this point I’m actually rooting for climate change. I advocate you all buy F150s and make sure they burn oil.
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the climate is changing, but its because of a magnetic polar shift…that said, me too
i hope coastal areas drown
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Credit lending companies are free to do whatever they want to avoid lending money to those who can’t pay it off.
The last thing we need is more government regulation, so fuck off commie -
It’s cool. I have great credit so the system will be tricked into thinking our web history = good.
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credit cards are for cucks cash is the only option. Crypto could have been a alternative but its a freaking ponzi scheme and everyone is just in there to fuck with everyone else. Also you can’t buy anything with crypto in a civilized country.
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are you scrotebrained? credit or not, they will have (read: buy) your info no matter what
also VPN chaining/ Proxy Chaining
people use their browser while logged into google. that’s how they get info on them…
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what web history?
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Scraped from your ISP’s (or mobile provider’s) DNS most likely. Or from SNI since that’s sent in plaintext, only way to shut that down is a VPN or Tor.
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>silent cloudflare noises
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>Google as search engine
>Leafplum marketing analytics baked into the browser
>WHAT HISTORY
L M A O
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False. Yahoo finance is not a reliable source. No one will submit to that.
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This is a terrible idea and I’d start a company dedicated to boosting middle upper class peoples credit scores by faking their internet history and making a brazillion dollars.
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Imagine living in America HAHAHAHAHAAHHAHAHAHHAHAAHAAH holy shit
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i have no socials and my ip is frequently randomized. good luck
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Americans will laugh at the chinks social credit but also unironically defend this.
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>chinks social credit but also unironically defend this
it’s almost the same kek>Credit lending companies are free to do whatever they want to avoid lending money to those who can’t pay it off.
>"No we won’t lend you money because you are a believe in XYZ".
scrotebrain
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>(((Rotberg)))
EVERY. freaking. TIME. -
Couldn’t you easily exploit something like this to boost your credit score? Search for the right terms and shit a whole bunch of times. But whatever I’m a neet who’s only real credit accomplishment was my student loan was paid off. But even good shit only stays on there for a certain amount of time before I’m screwed again with no big record of any activity, which honestly isn’t fair, I did prove my trustworthiness in the rare event I needed it why should it be erased? No they want me to get unnecessary credit cards and shit? I mean I’m responsible but I just don’t need crap like that.
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Link for anyone who wants to read it.
https://archive.is/mrXJq -
Oh no, looks like I’ll have no history for them on which to base my credit score!
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It won’t be from your local machine dumb dumb, it’ll be from your ISP, VPNs, CDNs etc
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I use Arch BTW.
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and chromeos is a gentoo fork aka irrelevant.
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You can’t fish on credit
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checked.
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impractical, multiple people lve in the same house and use the same router/modem, they would have to decrypt TLS packets to know which packet belongs to which person
also VPN chaining/ Proxy Chaining
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so how do i stop google and them from tracking me, really?
since linux, ddg, ungoogled chromium and the usual extensions dont seem to be enough-
>so how do i stop google and them from tracking me, really?
stop using the internet
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i mostly just google words before i use them, if i dont use them often
my credit score will be through the roof. they will think my IQ is so big -
Reading through this thread, still am baffled by how LULZtards think. Yanno what smart anons out there, just leave em be. If they’re scrotebrained and can’t bother to use the amenities of modernity within reason and benefit off of them, let them be their incel outcast scrotebrained selves. You guys are only hurting yourself with stupid “buy gold!! Buy a farm!! Why would I ever use a loan or CC?!?!” Rhetoric
Start looking for your schlomo.jpgs now you schizo freaks
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bigmilkies suck sucky milk mommy boobies wow big
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>be here forever
Wow, i can’t imagine what stuff they’ll give me -
I only search for holocaust conspiracy theories.
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>length of credit: 24 years
BOOMER!!!
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>soon
>(((rotberg)))
>nigs in photo
This image is too good -
>Your credit score may soon depend on your web history
Gas the garden gnomes, Hang the scrotes, Deport the Spics, Shit the Pajeets, Escalator the Chinks, Roof the scrotes.
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what is "escalator the chinks"? did they die in an elevator or what
captcha: onions-
>what is "escalator the chinks
https://www.youtube.com/watch?v=gz4R-Xhj9Vc-
ty
its kind of more scary that CNN had to do that weird pause + describe thing, but i get the idea. glad she saved her kid, woke af motherly instinct
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But then you’re just going to end up with a bunch of scrotes on your roof
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>But then you’re just going to end up with a bunch of scrotes on your roof
That’s the best place for them to be, Inshallah!-
Woke af
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Bretty sure browsing LULZ will help unless there is someone with personal vendetta that hard-coded it to be bad. Most of the people I see are financially solvent, or totally dependent on their financially solvent parents. /r9k/ and /lgbt/ withstanding.
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There is no way for this to work. First off they’d have to force google and other companies to hand over user data which won’t happen. They’d have to connect the accounts to individuals precisely (probably ask for ID) since for example your kid could have a Google account with your address and your credit card number so all previous web history would be pointless and people if I had to guess would not do this. This seems like a click bait article and the real article probably has one random guy or group of people saying "maybe this should happen". Credit score is already not calculated by low hanging fruit such as what you buy with your debit card. kys stop reading click bait garbage. Reading headlines is for POL
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I will bypass it as always
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What web history?
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>giving a single fuck about (((credit)))
ngmi -
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this i can get behind
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unless Experian have backdoored my VPN provider, there is little they will be able to know from my browsing history.
Work websites and my non-shitposting email address are about the only things that I don’t use a VPN for. -
Why do they use stock images featuring black people on articles clearly targeted at a population where the majority isn’t black?
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>Article about credit score
>banner image is a black couple looking horrified
Pottery. I’m surprised this Ethan Rotberg hasn’t been cancelled already. -
This is why defi has real use cases even in developed nations. But yall aint ready for that conversation…
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I don’t care because my credit score is absolute bottom tier anyway. If anything this would probably improve it.
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>wagies and ai found the gigantomastia mommies
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>HAHA STUPID CHINESE AND THEIR SOCIAL CREDIT SYSTEM GOOD THING WE WILL NEVER HAVE THIS IN THE WES-
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We are getting near of https://www.youtube.com/watch?v=WByBm2SwKk8
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I thought this only happened in china? what’s going on, freedom bros?
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(((rotberg)))
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>two blacks are scared of their potential low credit score
kek’d -
good thing my history is wiped everytime i close the browser lol
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