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Anon tries to understand credit scores (thelemmy.club)
submitted 8 months ago by [M] to c/greentext@sh.itjust.works
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[–] 14 points 8 months ago (5 children)

The trick is to not give a shit about credit scores, of course I don't live in the US which helps.

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  • [–] 10 points 8 months ago (4 children)

    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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  • [–] 7 points 8 months ago (2 children)

    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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  • [–] 2 points 8 months 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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