As if the people with 300 credit scores would pass an oldschool mortgage underwriter check lol
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My guess is that the poster is referring to situations like being unable to rent an apartment and blaming the credit rating because poster sees other people being able to rent without realizing that without credit ratings neither of those would happen - would need real references
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FICO is almost a proto-smart contract. Don’t pay your bill, don’t get any more credit.
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No, the communist is right. People need to stop letting usurers play games with your head. The score is almost arbitrary and not based on the stated criteria. You shouldn't allow it to define you. We should all use credit as a weapon against the creditors.
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Any time you write that first sentence you really need to rethink.
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When I was young my FICO score was pretty bad ... but mostly because I forgot to pay my bills or lost the bills. Everything was done by snail mail and checks. Now that I can pay everything online, there are no such problems.
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they don't realize era before the credit score was a radically different socioeconomic landscape in which your banker was a guy who actually lived in your neighborhood, banks were local institutions, and everyone knew if you were a raging alcoholic with a gambling problem or not
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