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The numbers will determine your fate (lemmy.world)
submitted 2 years ago by to c/microblogmemes@lemmy.world
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[–] 20 points 2 years ago (2 children)

I'd say inb4 someone high on copium tries to justify it, but I'm already too late.

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  • [–] 10 points 2 years ago

    Some people love taking time out of their day to type out at least one full paragraph on why this is okay and makes sense! When we know it doesn't, but they sure try their darndest to justify it.

    What a waste of time and nonsense.

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  • [+] -11 points 2 years ago* (2 children)

    Tell ya what, I got a plan! We go back to the way it was before credit scores. If you're white, socially acceptable, know your banker and are a deacon in your church, you're approved!

    "nOt LikE thAT!"

    Children: I don't understand how this works so it's unfair!

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  • [–] 11 points 2 years ago* (2 children)

    Normal countries don't have credit scores. It's once again a US-only problem.

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  • [–] 2 points 2 years ago (1 child)

    Wait... Seriously?

    I knew it was ridiculous (literally two companies who assign you a numeric value in an arbitrary range and refuse to elaborate why)

    But I never considered other places not having some version of this, probably run by the government (or are just using ours)

    Can you walk me through how getting a loan works? Let's say a home loan, what would they ask and what decides the terms you get?

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  • [–] 3 points 2 years ago*

    I'm not the person you asked but there aren't credit scores where I live (Netherlands).

    First of all when you take a loan it's officially registered with the Bureau of credit registration. Yes paying of a loan nicely will still help but not having any loans at all is usually better. If you already have a loan you can't loan as much money. So there's some kind of system but generally loaning as little ad possible is much better. There's no score though, just positive and negative registrations. Every loan above 250€ is registered. This includes stuff like a phone subscription with included phone.

    Besides that if you want loan the lender will ask for income and expenses.

    Also almost nobody ever uses credit cards. We all just use debit cards. So you can't spend what you don't have.

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