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Comment on Anon tries to understand credit scores

Someonelol@lemmy.dbzer0.com ⁨9⁩ ⁨hours⁩ ago

I’ve had a consistent score of a little over 800 before and after purchasing my house by paying off my credit cards ahead of time. I had no major long term debt other than a mortgage either. That said, this is pretty much the equivalent to that Chinese social credit score crap but it’s real in this case. It just means you’re ranking high in some opaque game on your financial prospects that the banks are playing.

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SwingingTheLamp@midwest.social ⁨9⁩ ⁨hours⁩ ago
Remind me, were we supposed to be disgusted and afraid of the Chinese social credit score system because it included woke BS like how nice you are to others, and how things you do improve society, rather than just laser-focusing on the only important thing— whether your existence can be monetized by rich assholes?

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- uncouple9831@lemmy.zip ⁨6⁩ ⁨hours⁩ ago
  Ugh, lemmy.ml is spreading to other instances.
  
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  - Amnesigenic@lemmy.ml ⁨2⁩ ⁨hours⁩ ago
    They’re right, quit simping for the aristocracy you delusional peasant
    
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    uncouple9831@lemmy.zip ⁨23⁩ ⁨minutes⁩ ago
    Lol
    
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- Someonelol@lemmy.dbzer0.com ⁨8⁩ ⁨hours⁩ ago
  My original comment points out the social credit system is something that doesn’t really exist but was used to scare western capitalists. I’m merely saying that non-existent Boogeyman is actually being used through a financial lens in the US instead.
  
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  - SwingingTheLamp@midwest.social ⁨8⁩ ⁨hours⁩ ago
    It was definitely pitched in western media as something we should all fear. I just found it funny that everything that they tried to scare us with (“it might be used to determine whether you get a job or can rent an apartment!”) applied equally to our credit scores.
    
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  - cassandrafatigue@lemmy.dbzer0.com ⁨8⁩ ⁨hours⁩ ago
    And has been since the 20the century.
    
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- cassandrafatigue@lemmy.dbzer0.com ⁨8⁩ ⁨hours⁩ ago
  No, because the writing was weird and foreign.
  
  You were supposed to he disgusted at the other stuff.
  
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  - DeathByBigSad@sh.itjust.works ⁨3⁩ ⁨hours⁩ ago
    “Weird and Foreign” has entered the chat. 👀
    
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    cassandrafatigue@lemmy.dbzer0.com ⁨2⁩ ⁨hours⁩ ago
    Well that’s why you’re supposed to be afraid of it.
    
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uncouple9831@lemmy.zip ⁨6⁩ ⁨hours⁩ ago
It’s not that opaque.

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