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I don't agree to credit checks from landlords.
I have reasonable car insurance.
I don't agree to credit checks from employers.
I do have a credit card and I test it once a month on a small purchase, usually coffee.
Any other dire warnings you wish to inform me about that do not match the real world?
Don’t match the real world? Just because you have been lucky to avoid that stuff doesn’t mean that a LOT of us haven’t experienced that stuff.
Credit checks are common in housing markets with limited supply, all the largest auto insurance companies in the US now do credit checks, and jobs in industries like finance and security often add a credit check during your pre-hire background check.
And god forbid you ever need some serious financial products like another loan. That is off the table.
I get the feeling that dude is in his 20s. Bless his heart.
Yeah, there aren’t a lot of Americans over 35 that don’t realize how hard a bad credit score can fuck you. There’s no shortage of very real horror stories around this stuff.
Must have somehow missed this repeatedly my entire life. Totally a real thing I am sure.
It depends on your age and where you live. You may have gotten into housing, an insurance policy, or your gig before this trend took off.
It’s now a big enough problem that a handful of states have started to draft and pass legislation that bans credit checks for insurance, housing, and employment. So, if you’re in a place like CA or MA, you might not notice that this is fair game in most of America.
That said, a lot of this fuckery is still super common and fair game in most of the US.
Housing: 6 years ago
Car insurance: I think about 3 maybe 2.
Job: 3.5 years ago
Do not live in CA or MA or a state that has rules like that. In fact 11 years ago a landlord did ask me and I said no. She backed down when I said I wasn't going to bend on the issue. Of all the places in my life this was the only one that asked.
But yeah you continue to worry