Your credit score to be dependent of your web history

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    • #225265
      Anonymous
      Guest

      thoughts?

    • #225266
      Anonymous
      Guest

      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

    • #225267
      Anonymous
      Guest

      Hasn’t yahoo shutdown yet?

      • #225271
        Anonymous
        Guest

        verizon bought them siss but kept their some of their services running.

    • #225268
      Anonymous
      Guest

      whats even credit score for?
      i’ve never use credit and ill never do it

    • #225269
      Anonymous
      Guest
    • #225273
      Anonymous
      Guest

      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.

      • #225276
        Anonymous
        Guest

        >how they’re going to associate the history with "me".
        they basically *Man-in-the-middle’s the whole internet*

        […]

      • #225467
        Anonymous
        Guest

        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 not

        using blockers just makes you identifable as the one blocking shit

        • #225470
          Anonymous
          Guest

          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.

          • #225475
            Anonymous
            Guest

            Google links accounts behind the scenes

            • #225476
              Anonymous
              Guest

              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.

              • #225478
                Anonymous
                Guest

                How are you so naive? No, they use heuristics, dummy.

                • #225479
                  Anonymous
                  Guest

                  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.

                  • #225482
                    Anonymous
                    Guest

                    Do you understand how statistics work? It can be any certainty, not just close to 100%.

                    • #225483
                      Anonymous
                      Guest

                      >we tanked your credit score because your neighbor searched for tucker carlson clips and he’s in the same ip range as you

                      • #225484
                        Anonymous
                        Guest

                        Justified.

                      • #225487
                        Anonymous
                        Guest

                        ipv6 will identify your exact device lmfao what do you think its for

                      • #225488
                        Anonymous
                        Guest

                        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.

                      • #225489
                        Anonymous
                        Guest

                        >what do you think its for
                        take your freaking meds the standard is older than you are, idiot child

            • #225477
              Anonymous
              Guest

              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

    • #225275
      Anonymous
      Guest

      I HATE THE GLOBOHOMO

    • #225277
      Anonymous
      Guest

      >credit score
      >using money you don’t have
      lmao

    • #225278
      Anonymous
      Guest

      >credit score
      More like a reddit score!
      Am I right LULZirls?

    • #225280
      Anonymous
      Guest

      How can an individual have a credit score?I thought only businesses have those.

      • #225282
        Anonymous
        Guest

        Is this bait? Wouldn’t be surprised LULZ users are really this removed from society

        • #225285
          Anonymous
          Guest

          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.

          • #225286
            Anonymous
            Guest

            >It doesn’t affect Europeans
            ur serious?

            • #225288
              Anonymous
              Guest

              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.

              • #225291
                Anonymous
                Guest

                >There’s no need to improve your credit score
                yet they keep record on you, and you agreed when registering your bank account

                • #225297
                  Anonymous
                  Guest

                  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.

                  • #225528
                    Anonymous
                    Guest

                    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.

                    • #225545
                      Anonymous
                      Guest

                      >I don’t know which country you’re talking about
                      Sweden. It seems a few countries in Europe have adopted the US model.

        • #225292
          Anonymous
          Guest

          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.

          • #225296
            Anonymous
            Guest

            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.

            • #225302
              Anonymous
              Guest

              >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.

            • #225314
              Anonymous
              Guest

              >lease a car
              yeah but that’s a moronic waste of money, why would you want to do it?

          • #225299
            Anonymous
            Guest

            >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

    • #225289
      Anonymous
      Guest

      im glad zoomers are starting to realize the awful scam the credit score system is and hope for it to be demolished soon

      • #225294
        Anonymous
        Guest

        >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.

        • #225298
          Anonymous
          Guest

          >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?

          • #225318
            Anonymous
            Guest

            >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

            • #225319
              Anonymous
              Guest

              woke af churner

              i use my points to buy gold

            • #225321
              Anonymous
              Guest

              its a scam cause it keeps you in debt and keeps you paying them

              • #225440
                Anonymous
                Guest

                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.

      • #225295
        Anonymous
        Guest

        >zoomers are starting to realize
        LMAO

        • #225308
          Anonymous
          Guest

          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?

          • #225309
            Anonymous
            Guest
          • #225519
            Anonymous
            Guest

            You might want to look up a guide about how to read graphs.

        • #225556
          Anonymous
          Guest

          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.

    • #225304
      Anonymous
      Guest

      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

    • #225305
      Anonymous
      Guest

      My what?

    • #225306
      Anonymous
      Guest

      >rotberg

    • #225307
      Anonymous
      Guest

      >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

    • #225310
      Anonymous
      Guest

      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

    • #225311
      Anonymous
      Guest

      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?

    • #225315
      Anonymous
      Guest

      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.

    • #225316
      Anonymous
      Guest

      quick reminder to the banks
      >pic related

    • #225323
      Anonymous
      Guest

      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?

    • #225333
      Anonymous
      Guest

      where do i get a 3000 dollar loan to buy a new PC with?

    • #225334
      Anonymous
      Guest

      […]

      >nhentai
      you deserve it for getting filtered

      • #225511
        Anonymous
        Guest

        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.

        • #225513
          Anonymous
          Guest

          I didn’t have to wait a week, it let me login as soon as I finished signing up

          • #225540
            Anonymous
            Guest

            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

    • #225340
      Anonymous
      Guest

      and everyone who had a yahoo account now has 13 identity thieves destroying their credit rating ironically.

    • #225343
      Anonymous
      Guest

      it’s interesting how americans laugh at social credit system when they had it for years

    • #225349
      Anonymous
      Guest

      >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

    • #225350
      Anonymous
      Guest

      How do you buy cars or houses without a credit score?

      • #225364
        Anonymous
        Guest

        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.

      • #225369
        Anonymous
        Guest

        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.

    • #225355
      Anonymous
      Guest

      >yahoo!finance
      Of course they would say that.

    • #225375
      Anonymous
      Guest

      i just use my trust fund, thanks though

    • #225377
      Anonymous
      Guest

      thank god I dont live in the land of the ironic freedom

    • #225382
      Anonymous
      Guest

      […]

      good morning sir

    • #225386
      Anonymous
      Guest

      At this point I’m actually rooting for climate change. I advocate you all buy F150s and make sure they burn oil.

      • #225388
        Anonymous
        Guest

        the climate is changing, but its because of a magnetic polar shift…that said, me too

        i hope coastal areas drown

    • #225389
      Anonymous
      Guest

      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

    • #225391
      Anonymous
      Guest

      It’s cool. I have great credit so the system will be tricked into thinking our web history = good.

    • #225404
      Anonymous
      Guest

      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.

    • #225411
      Anonymous
      Guest

      what web history?

      • #225420
        Anonymous
        Guest

        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.

        • #225423
          Anonymous
          Guest

          >silent cloudflare noises

      • #225515
        bruce3434
        Guest

        >Google as search engine
        >Leafplum marketing analytics baked into the browser
        >WHAT HISTORY
        L M A O

    • #225412
      Anonymous
      Guest

      False. Yahoo finance is not a reliable source. No one will submit to that.

    • #225418
      Anonymous
      Guest

      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.

    • #225432
      Anonymous
      Guest

      Imagine living in America HAHAHAHAHAAHHAHAHAHHAHAAHAAH holy shit

    • #225436
      Anonymous
      Guest

      i have no socials and my ip is frequently randomized. good luck

    • #225445
      Anonymous
      Guest

      Americans will laugh at the chinks social credit but also unironically defend this.

    • #225446
      Anonymous
      Guest

      >(((Rotberg)))
      EVERY. freaking. TIME.

    • #225450
      Anonymous
      Guest

      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.

    • #225454
      Anonymous
      Guest

      Link for anyone who wants to read it.
      https://archive.is/mrXJq

    • #225463
      Anonymous
      Guest

      Oh no, looks like I’ll have no history for them on which to base my credit score!

      • #225464
        Anonymous
        Guest

        It won’t be from your local machine dumb dumb, it’ll be from your ISP, VPNs, CDNs etc

        • #225465
          Anonymous
          Guest

          I use Arch BTW.

          • #225466
            Anonymous
            Guest

            and chromeos is a gentoo fork aka irrelevant.

    • #225468
      Anonymous
      Guest

      You can’t fish on credit

      • #225473
        Anonymous
        Guest

        checked.

    • #225469
      Anonymous
      Guest

      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

    • #225480
      Anonymous
      Guest

      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

      • #225481
        Anonymous
        Guest

        >so how do i stop google and them from tracking me, really?
        stop using the internet

    • #225486
      Anonymous
      Guest

      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

    • #225494
      Anonymous
      Guest

      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

      • #225499
        Anonymous
        Guest

        bigmilkies suck sucky milk mommy boobies wow big

    • #225496
      Anonymous
      Guest

      >be here forever
      Wow, i can’t imagine what stuff they’ll give me

    • #225497
      Anonymous
      Guest

      I only search for holocaust conspiracy theories.

      • #225500
        Anonymous
        Guest

        >length of credit: 24 years
        BOOMER!!!

    • #225498
      Anonymous
      Guest

      >soon
      >(((rotberg)))
      >nigs in photo
      This image is too good

    • #225502
      Anonymous
      Guest

      >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.

      • #225503
        Anonymous
        Guest

        what is "escalator the chinks"? did they die in an elevator or what
        captcha: onions

        • #225506
          Anonymous
          Guest

          >what is "escalator the chinks
          https://www.youtube.com/watch?v=gz4R-Xhj9Vc

          • #225507
            Anonymous
            Guest

            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

      • #225504
        Anonymous
        Guest

        But then you’re just going to end up with a bunch of scrotes on your roof

        • #225508
          Anonymous
          Guest

          >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!

          • #225510
            Anonymous
            Guest

            Woke af

    • #225509
      Anonymous
      Guest

      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.

    • #225518
      Anonymous
      Guest

      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

    • #225521
      Anonymous
      Guest

      I will bypass it as always

    • #225524
      Anonymous
      Guest

      What web history?

    • #225527
      Anonymous
      Guest

      >giving a single fuck about (((credit)))
      ngmi

    • #225529
      Anonymous
      Guest
      • #225531
        Anonymous
        Guest

        this i can get behind

    • #225530
      Anonymous
      Guest

      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.

    • #225534
      Anonymous
      Guest

      Why do they use stock images featuring black people on articles clearly targeted at a population where the majority isn’t black?

    • #225536
      Anonymous
      Guest

      >Article about credit score
      >banner image is a black couple looking horrified
      Pottery. I’m surprised this Ethan Rotberg hasn’t been cancelled already.

    • #225537
      Anonymous
      Guest

      This is why defi has real use cases even in developed nations. But yall aint ready for that conversation…

    • #225542
      Anonymous
      Guest

      I don’t care because my credit score is absolute bottom tier anyway. If anything this would probably improve it.

    • #225544
      Anonymous
      Guest

      >wagies and ai found the gigantomastia mommies

    • #225546
      Anonymous
      Guest

      >HAHA STUPID CHINESE AND THEIR SOCIAL CREDIT SYSTEM GOOD THING WE WILL NEVER HAVE THIS IN THE WES-

    • #225547
      Anonymous
      Guest
    • #225553
      Anonymous
      Guest

      I thought this only happened in china? what’s going on, freedom bros?

    • #225558
      Anonymous
      Guest

      (((rotberg)))

    • #225561
      Anonymous
      Guest

      >two blacks are scared of their potential low credit score
      kek’d

    • #225562
      Anonymous
      Guest

      good thing my history is wiped everytime i close the browser lol

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