Oh so you googled it now? Back down from having heard of people doing it?

Spoiler alert, hasn’t happened! And you haven’t heard of anybody for whom it has! So I stand by my statement.

It’s theoretical nonsense, and credit scores are not the same as creditors, but keep talking nonsense about this “one weird trick” you heard on Facebook!

Then like…what? You have massive debt and can never return? Or we’re pretending Europe is a different planet and you can just “start new”?

“You’ve heard of people”. No, you haven’t.

Not if you want support from the vendor :p

I think many companies don’t actively maintain a large portion of their code base at all. So any amount of work, no matter how small, involves a “project” and “budget” and “approvals” to even assign somebody to the task of upgrading.

Then you have the testing and due diligence from whomever actually uses the thing.