Comment on Anon tries to understand credit scores

Korhaka@sopuli.xyz ⁨1⁩ ⁨month⁩ ago

• Cabbage_Pout61@lemmy.world ⁨1⁩ ⁨month⁩ ago

  The problem is, usually people and services that one uses, DO give a shit about your score. Unless you live off grid (not in the energy sense, but as a member of society) in the wilderness, you will have to deal with It, unfortunately.

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  • Korhaka@sopuli.xyz ⁨1⁩ ⁨month⁩ ago

    I have never had a problem with completely ignoring it my whole life. Didn’t matter to rent a room, didn’t matter to buy a house. Never plan on borrowing money for anything other than buying a house either. I would rather go without - and often have. Never learnt to drive because I couldn’t afford it and outright refused to take a loan to do so. My bike works well enough instead.

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    • Lemminary@lemmy.world ⁨1⁩ ⁨month⁩ ago

      My bike works well enough instead.

      Same here, I’ve gotten weird looks for not owning a car. But hey, at least I got a pair of nice legs I get complimented on twice a year. lol

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    • Cabbage_Pout61@lemmy.world ⁨1⁩ ⁨month⁩ ago

      I understand, while that can happen with some individuals, it’s not true for the vast majority of people.

      I too rather go without this shitty system, but that’s not how it goes unfortunately, got denied a house financing twice because of the low score (got some debts a década ago and the score never went back up), I managed to use a friend’s name for financing, then later I transfered it to my name, many loops and roundabouts.

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  • ronl2k@lemmy.world ⁨1⁩ ⁨month⁩ ago

    Unless you live off grid

    It’s quite easy to pay cash for stuff and forget that credit cards and credit scores exist, even when living in a big city.

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