This is a form of illegal discrimination against anyone who doesn’t go along with the jewish system. Should we attack it as “racist” against niggers and get it outlawed?
picrel: I’ve had the same checking, credit, and savings accounts for 20 years but apparently that isn’t long enough (had the same negative item on my credit score for at least a decade)
Tanking my credit score has gotten me more than a good score ever has.
borrow money
dont pay it back
next guy doesnt want to lend you money
"this is discrimination"
Credit score predicts, very accurately, who will repay debts, who will crash their car, even who will engage in acts of violence. Responsibility and self-control are the core idea.
i am an "unscorable," which is worse than a nigger's 500 score. despite living (((debt))) free, making a very good salary, having a ton of savings, and making all my payments on time, no bank wants to give out home loans to unscorables
how do you know? the algorithms are secret
be me
800 credit score
good job
no debt
want to buy 3 year old sedan
”here goy, best we can do is 16% APR (in 2018)
It’s all a scam. Keep chasing that carrot.
he's just reading from experian's site
i'm on the flip side and it's the same story. "please sign up for a credit card with us then miss some payments and pay the fees and maybe we'll give you 8% APR if we feel like you've done enough"
I have never had any debt. I am 35 and do not have a credit score. I inherited my house and land in the NC mountains. We have enough growing on our property to live off it. Annoyingly, SOMEHOW, my identity got stolen by the hospital and someone in NJ started buying cell phones in my name. There is nothing that can be done about it.
You have to optimize yourself to be the ideal paypig.
There are alternate scores for people like you based on payment of utility bills, property taxes, etc., on time. You would look good in such a score.
Thousands of businesses use these sorts of scores for marketing, setting prices or interest rates, etc. Their accuracy is obvious and proveable to any such user (e.g. if you can get this high credit customer to check out your website, their average purchase will be x% higher than average -- x% is something you can observe without knowing how the credit score was calculated).
hello fellow unscorable. at least you have a house, i'm stuck renting this same piece of shit because even renting requires the score
It's a score that tells the jew how likely they are to make money from you without needing to spend time and effort on repossessing your stuff /foreclosing on your house.
fun fact, banks don't give a fuck about you paying rent or anything else on time. they will only look at open tradelines, which is a credit card. also no one underwrites anymore
I had a property management kvetch at me like that once.
Then I offered to pay six months up front and suddenly they didn't care about goyscores or employment proof.
You can also find small region banks/credit unions that do mortgages without credit scores.
it's a good racket if you can get in on it
yeah that's where we're at now is hitting up the local credit unions
Banks may not give out half a million dollars without trad credit scores, yes, that is true. But you could still get a better car/home insurance rate or get different shit marketed to you (I know, who cares, just saying) based on non-trad credit scores.
I have to think theres a reason why. If 3 to 5% of the market is unscorable, a mortgage lender could easily make a profit by going after people like anon as a niche. Perhaps there are such niche players - or maybe federal fannie/freddie/FHA rules get in the way? I know a lot but am not actually in the mortgage business.
Average financially illiterate servicemember
nooooo you don't understand I neeeeed this 2022 Camaro
my understanding is that requires manual underwriting which is a huge pain in the ass for them. it's easier to deny and recommend a line of credit to you conveniently through their bank of choice
I’m an honorable NEET, you nigger.
Guaranteed you got 90% disability for fibromyalgia or some stupid shit and you still want to complain about not getting more
Automated system approves you
This confuses and enrages the jew
lmao
it's their worst nightmare
May I ask a devils advocate Q: if you are stuck renting because of this, why not open a credit card and charge $50 to it every so often and immediately pay it back, or whatever bare minimim would get you scored? Morally opposed? I respect that, but you arent really participating in usury to do just the above.
But I do think you shouldnt have to do that and that some lender should improve the manual UW process (e.g. use nontrad credit score + income verification without manual review for a mortgage under $x --- might be tough to ever automate a no credit, no verified income customer tho).
You have to do that for 3 to 5 years before it counts as a credit score.
It's wild how boomers are slaves to their credit score, they're obsessed with it
Meanwhile I give zero fucks because I don't believe in spending money I don't have, credit isn't real
it's what i'm going to have to do unfortunately. i'm not morally opposed, though i don't like having my purchase history sold, more i've just always had cash to cover any unexpected expense so why play the game
using credit card not debit
goyscore
yeah the better your slavescore the better your masters will treat you.
stop projecting
Like imagine someone says hey, I have $10m, no I have no income I can show you, no, I have no history I can show you of paying things on time - please give me a $1m mortgage.
I'd be like uhh... how about no? You're a lazy heir; an entrepreneur taking risks; a crypto bro; or, a drug dealer. Why wouldnt you just buy your house in cash if you have 10m? Why would I (a lender) ever take a chance on someone like you - we earn only a fraction of the interest as profit, one bad loan kills tens and tens or successful one's profit...
sofi said they need 60-90 days, self reporting rent and utilities payments brought experian to 750, so hopefully a gay ass card for 2 months will satisfy moloch's thirst
learn to work the system beyond your measly gibs Corporal Cuck
doesn't work:
read up on credit card debt-maxing. Chances are you can run up a huge bill after getting the loan, never pay it off, then send the collectors a cease & desist, and the worst they can do is ding your credit score.
Building a credit score takes several years regardless
man, eglin fags really seethe when they find out you’re not a zogbot traitor.
yeah i'd rather just do things that let me buy a house, i'm not trying to make a statement here
Why would you want a new car just buy a shitbox for cash and run it into the ground
Shouldn't someone be able to make up for that with a record of their job history? Like, if someone has worked a steady job for twenty years, and has the ability to pay a significant downpayment, why wouldn't you trust them to pay for a mortgage on a house? If they had no job history then sure, that's pretty sketchy, but not everyone wants to use a credit card.
requires manual underwriting, no one will do that
Yeah and this makes sense.
Do you know any heroin/fent addicts? Gambling addicts?
The existence of a credit line that has NOT been abused for x period of time is good enough. The above classes of people wont resist, over a few years time, maxing the card periodically or constantly. Thats what they really care about - that you dont have shit credit. Average credit vs. Pristine excellent credit almost always gets the same mortgage rate and underwriting standard - its only the total shit they want to charge more or deny.
If you (not anon ive been talking to -- other readers) yourself reading this are "total shit", take a look in the mirror and ask if you would lend yourself any money. You wouldnt. Fix yourself.
Those falling on hard times due to layoff, health, are a diff story and I have a lot of sympathy there. Credit vendors, in insurancr anyway, are required under the FCRA to let you get a neutral/avg credit score instead of a bad one if you can cite a hardship like this.
stop using the dealer's financing. your bank will give you a much better deal. if your bank is offering you 16% then you need a new bank.
This isn't really how it works in the US though, is it?
I'm not sure, that's why the ?
But, to get a "good" credit score, don't you have to have many payed back loans?
AFAIK, in other countries, you can only have a negative score, the positive is if you haven't got any unpaid bills or bad business in the past.
There is no "good" credit score.
I don't even have a credit score because I refuse to go into debt and being a debt-slave to the Jew system. They design those credit scores based on if you borrow loans or borrow money from cash apps and other forms of getting additional money, but to pay it back with a higher percentage rate. It's a scam to keep you subservient to being a debt slave to the cash jew. I outright refuse to go into debt of any kind.
Nobody anywhere in Europe even knows what a credit score is and when you explain it they're horrified and say it should be illegal.
It's a jew control network. Maybe this guy is an insider jew so he knows what the goyscore is really for.
oy vey goy our scores are outstandin predictas
betta pay us 28% APR anyway
Fuck off. It is a judeo blackbox with contradictory outputs. An authentic score of repayment likelihood would not go down after someone pays off his home or car. FICO is a gerbil's wheel for the misled wage-tax slave. Those in the club can have a 580 score and still get access to 2.99% loans (if they have an in with this talmudic piss system.)
I have never once in 20 years paid any interest on a credit card despite charging, probably, well over a million dollars through them. And while I disagree with the system as it amounts to robbery of non-bank businesses in aggregate, I do go after credit card rewards.
For example, you have internet right now. Perhaps it is $100/month. You pay it somehow - autodeducted from checking? If you instead charge it to a 2% cashback credit card, and set that card to autopay from checking, you will:
-delay your payments roughly 1 month
-earn $2 per $100 paid
-not pay a cent of interest
-build a credit score
If you morally oppose the system, dont do this. If you just dont want to be in debt, do the above, ONLY IF YOU TRUST YOURSELF not to abuse the card - JUST do the above.
Did you not read? I bought a used car after most of the depreciation had already taken effect but before it turned into an unteliable shitheap. Before that I had always driven 90’s shitboxes but I honestly spent enough on maintenance that I could’ve just spent the money on payments on a new car and probably have come out ahead.
Americans used to be the same way. Your time will come.
No because they'll just do what Kamala tried to do and make it so only noggers don't have to have a credit score. What needs to be done is attacking jews and usury and ultimately making it so only White Men can take out loans, own property or business, vote, and have bank accounts and then we'll be able to absolve it without issue.
Everyone starts at: "heroin junkie" and until you can convince someone to lend you $100k and then pay it back you'll never have good credit.
I see.
In a White society you just have to shake their hand and look them in the eye.
Nobody lives in a White society anymore.
Just a minute – just a minute. Now, hold on, Mr. Potter. You're right when you say my father was no business man. I know that. Why he ever started this cheap, penny-ante Building and Loan, I'll never know. But neither you nor anybody else can say anything against his character, because his whole life was -- Why, in the twenty-five years since he and Uncle Billy started this thing, he never once thought of himself. Isn't that right, Uncle Billy? He didn't save enough money to send Harry to school, let alone me. But he did help a few people get outta your slums, Mr. Potter. And what's wrong with that? Why -- here, you're all businessmen here. Don't it make them better citizens? Doesn't it make them better customers?
You, you said that they -- What'd you say just a minute ago? They had to wait and save their money before they even thought of a decent home. Wait? Wait for what?! Until their children grow up and leave them? Until they're so old and broken-down that -- You know how long it takes a workin' man to save five thousand dollars? Just remember this, Mr. Potter, that this rabble you're talking about, they do most of the working and paying and living and dying in this community. Well, is it too much to have them work and pay and live and die in a couple of decent rooms and a bath? Anyway, my father didn't think so. People were human beings to him, but to you, a warped, frustrated old man, they're cattle. Well, in my book he died a much richer man than you'll ever be.
I know very well what you're talking about. You're talking about something you can't get your fingers on, and it's galling you. That's what you're talking about, I know. Well...I've said too much. I -- You're...the Board here. You do what you want with this thing. There's just one thing more, though. This town needs this measly one-horse institution if only to have some place where people can come without crawling to Potter. Come on, Uncle Billy!
No, heroin junkie are people proven to have an awful record. No-credit people are riskier than average but not nearly as bad as low scored people.
I dont disagree with that but you would want your hardworking man to get a loan, and the town drunk who gamble his income every paycheck to maybe not get a loan, yes? The jew is bad for lying and manipulating and colluding for their own benefit; but this doesnt mean that, in their absense, that everyone has to be treated equally when they objectively arent.
How does it feel to be mogged by me anon? you are the equivalent of a nigger driving a 1992 corolla.
It's a way to avoid hiring niggers and women.
Is that why no one is hiring white men anymore?
you get a pat on the head for being a good goyim. keep making those payments!
picrel: I’ve had the same checking, credit, and savings accounts for 20 years but apparently that isn’t long enough (had the same negative item on my credit score for at least a decade)
None of those things count towards your score. Only positive payment history can create a high score.
Kamala tried to do and make it so only noggers don't have to have a credit score.
kek please tell me that was real
Then how come you can get a loan as a low score person but not as a no score person?
Federal govt gives out FHA loans that it shouldnt, although even they wont do below 500 (and private lenders rarely go below 600, 620). So, to answer your question, very low credit scores cannot get mortgages either.
That's why you judge a White Man based on his character. If he can't clean up, look you in the eye, and speak without slurring his speech then you can have a good idea he might not be trustworthy with a loan. Especially in the case of a savings and loan which effectively works as a co-op where everyone has already purchased shares in the business showing making them a part owner and showing they have the foresight to do something responsible. This worked without fail for 188 consecutive years in the United States of America until they imported jews and gave niggers and women rights. Now all of a sudden that's inconceivable. The problem isn't a lack of safeguards it's a lack of character and the permissive attitude that allows such players to exist in our realm.
unscorables give them nightmares, they'd rather loan to a nigger high in pcp
Essentially. No credit? No money? No problem for sweet baby nigger, here's free money White Man will pay for it.
Credit scores only became a thing in the 90s. Fuck banks
If I don't pay $3k in credit card debt and ignore all collections attempts to reach me, does the debt just go away eventually? It's been 2-3 years atleast of them trying to make me pay and I just keep ignoring their letters, and nothing happens. They also keep offering me low amounts to pay in order to make the whole debt go away, which i also ignore
Federal aid, federal aid, we hear it all the time, but it's not really federal aid.
Cause the money is yours and mine, the money is yours and mine.
I read in the papers, in real big print, about a sugarcoated speech made by our president.
With federal aid he thinks he'll win our trust, but federal aid, hell, the money belongs to us.
He puts taxes on this, taxes on that, just any kind of tax to keep the government fat.
He says he's gonna give us federal aid or bust, but federal aid, hell, the money belongs to us.
Federal aid, federal aid, we hear it all the time, but it's not really federal aid.
Cause the money is yours and mine, the money is yours and mine.
He started a new program, the Anti-Poverty School, I think it's a good idea, nobody wants to be a fool.
Now he says he's running short of funds and that ain't no joke, but it ain't the government that's hurt, it's us that's going broke.
Now if we could just keep most of the money we've made, there wouldn't be much reason to have federal aid.
Now I believe in helping the poor, I think it's a must, but it's not federal aid, hell, the money belongs to us.
Federal aid, federal aid, we hear it all the time, but it's not really federal aid.
Cause the money is yours and mine, the money is yours and mine.
Now why should the president take all the credit, when the money we donate is what makes up his debit.
Each time a disaster strikes our great land, federal aid takes the credit for lending a hand.
Now I'd like to think that my dollar helped out, and so would everyone else without any doubt.
Cause it's really our money we place in their trust, so federal aid, hell, the money belongs to us.
Federal aid, federal aid, we hear it all the time, but it's not really federal aid.
Cause the money is yours and mine, the money is yours and mine.
The money is yours and mine, the money is yours and mine, the money is yours and mine.
to be honest if i were you i would just talk to a lawyer and get more debt if you can then just don't pay. as long as you can get away with it and dont need a credit score (like if you own a home). fuck the kikes ngl
Kek Anon Babbleniggers seething at this post confirms they're really just troons on the verge of aacking or murdering someone any second.
the credit score excludes people who are not good goys
might as well create an employment blacklist where if an employer doesnt like you, no one hires you again. they do that in mexico btw and its fucking hell
just so you know most employer's nowadays include a credit check in the background check and if they see you are below 600 most places won't even look your way.
Just always be in debt to Jews
That's how you win!
No.
debatable, maybe if you take a finance job
jfl
but at least that's an objective thing. you either pay debt or don't
being a good wagie is worse. you have to play games, to be likeable to normies (whom i loathe btw), to consistently prioritize work... its just awful, i would legit just do a mass shooting if i was forced to be a good wagie and couldn't just get new jobs and act like every former employer didnt hate me
basically, yes. There is a statute of limitations on debt, and they basically can’t take you to court for credit card debt if you do it right like pay $1/month (research local laws ofc).
I have an 821 and have praised the NSDAP using my real name on faceberg lmao.
doesn't know how to use credit to his advantage
H
Lol hi Tyrone.
This is legal bullshit they have just incase. It's like when you are hiring front end restaurant positions and only want to hire hot girls - sure you can say the process is legit and males/landwhales will get a look but they don't ever get the job.
I work in software and I've been on the board for new hires, it's 1000% something that happens - if you have decent credit you are viewed with more trust than someone who does not.
That line from your screenshot that says they can view a 'modified, limited version of your credit report' just means that the data is about 6 months behind your actual score.
no i mean good goys in terms of paying back debt
to be fair i've always paid back my debts. but i am also someone who knows the downsides of life, and i can see why someone wouldnt and would still deserve a second chance
schemes like this that effectively blacklist people away from society should all be illegal. companies have no business knowing about your past anything other than what you want to tell them.
based btw
people go to prison for that in the cuc.ked EU
Same as when they say discriminating based on race, sex, or religion is illegal. And yet if you are white, Christian, or male you will be heavily discriminated against.
any recommended banks that don't fuck you over THAT bad in terms of that?
idk about your country but what i did was to look up banks and what interest they would offer on a loan if i switched my paycheck to them, got 5%
Just get loads of bank loans. Buy physical gold and just pay the £680 to declare bankruptcy.
Don't do this if you own your own home.
dont you end up in prison for that?
i guess if you hid it well it would still go up in value while you're inside
Lack of sufficient relevant real estate account information
The balances on your accounts are too high compared to loan amounts
Too many installment accounts with a delinquent or derogatory payment status
The date that you opened your oldest account is too recent
So you’re brown?
mega based
gold doesnt go up in value though, it's just immune to inflation. i think it buys the same things over time its just that paper money keeps getting devalued.
Tanking my credit score has gotten me more than a good score ever has.
Based, every seven years I get a couple credit cards and immediately max them out then don't pay shit. I'm 42 years old, I've done this 4 times and will do it again in about five years. I also have like 40k in student loans that I've never paid a dime on and probably a medical bill or two, last I saw my credit score was low 500's. No I'm not a nigger, I just hate jews and their game and refuse to play it.
This is a form of illegal discrimination against anyone who doesn’t go along with the jewish system
based and mega IQ
how do you do this and get away with it?
You said you have a ton of savings, 250k will get you a decent house on a big chunk of land in a very rural area, save enough to buy it outright, no loan or credit score needed. Take the innawoods pill, society sucks anyway.
Only if you are low iq.
Bankruptcy is how the elites get to play the system.
damn but what are you supposed to do? i dont think they'll let you take out the cash. and if you pay for gold by card or transfer then they know what you did.
withdraw cash periodically
go to pawn shop and buy gold with cash / find white guy who wants to sell his gold for cash
put gold / crypto etc somewhere safe
declare bankruptcy
But in America, you can just dump it all into a really nice car, or sometimes even your house. Typically primary car and sometimes house are immune during bankruptcy proceedings.
last I saw my credit score was low 500's
According to the King James Version (KJV) of the Bible, Deuteronomy 23 states, "Thou shalt not lend upon usury to thy brother; usury of money, usury of victuals, usury of any thing that is lent upon usury." This verse emphasizes that interest should not be charged
Based usury poster
If you’ve had something on your credit report over 7 years (other than bankruptcy) you need to dispute it with the respective reporting agency and that should be resolved quickly.
giga IQ
t. jew
Should we attack it as “racist” against niggers and get it outlawed?
wish i could do that, unfortunately can't at the moment but will someday
yeah, need another 10 years of grinding before I'm ready for that move. by then I'll have enough passive income to fuck around
i work in software too, we hire pajeets out the ass but never look at credit reports. i doubt that's true where you work, they wouldn't give the interviewer a credit report lmao
Typically your best bet is always a credit union. They all require some sort of restriction on who can use them I think. For instance: first responders and teachers is a thing around here I think, yet most are just a "we only operate in this State" kind of thing. Just look up a few in your area and see which have the least bad reviews and have been around for at least like half a decade.
NOOOOO YOU CAN'T HAVE A SOCIETY THAT FUNCTIONS WITHOUT JEWS
I'll tell you right now why credit scores are bullshit. Not only are they dictated by jews about how much of a debt slave to jews you are but all jews have good credit scores. You'll never succeed your way out of having to deal with them they need to be eradicated.
No they just scare normies so they won't try it.
Just buy one thing like a graphics card and pay it off. I didnt want to do it for years but dont regret it now and its really easy with klarna and shit
i'll probably just get a faggy amazon or home depot credit card if these last few banks turn me down
That's not true, you're just not going to have a 'good score' until like 3-4 years of doing that. I got a credit card late because my parents always instilled to never have debt and just use a debit card. But after like 3ish years I think I was like 730ish as a score. Before that is was like low to high 600's, but I think you actually get a score within like 1-3 months of opening a credit line post statement.
Credit scores are really just how good of a paypiggy you are and you probably have a better score keeping a 25% balance and paying interest on that every month than immediately paying it down after your statement, but obviously having a 30 point higher score would not overcome all that lost money in interest. It mostly just matters for buying a home where a 1.25% difference could mean a lot but most younger people are priced out of that regardless so it hardly feels like it matters
no credit
finished highschool, didn't fall for the college jew
no debt
wizard
spotty on-and-off work history
currently NEET with parents
no work around unless i want to be an amazon/doordash wagie for slave wages
mfw
i'm pretty comfortable but i'm not sure where to go from here as an autistic retard
After seven years of no activity on an account it drops off the credit report here. So you open a credit card max it out, make no payments, if you make a payment the seven year clock restarts, I believe if you even talk to them and make a payment plan it resets even if you don't pay, so just start blocking numbers as they call and bide your time. Then after seven years when the delinquent account falls off the report you can get credit cards again, you'd think they'd learn their lesson after the third time. You're credit score might go up a touch after seven years but not anywhere near a (((good))) score so you don't get high limit credit cards after the first time but it's still fun to spend a few thousand on the jews dime every seven years.
It's not for everybody, it definitely limits what you can do with a shitty credit score, no loans, can't rent unless you know the landlord, lots of jobs nowadays even check your credit score but I live innawoods and that suits me fine, I buy old beater trucks cash, work off jobs under the table and did this to buy my home many years ago for a lot less than 250k. There's not much they can do to me, they did start to garnish my wages for the student loan a long time ago when I was working for a big company so I quit. So I did exaggerate when I said I never paid a dime on my student loans but they got less than $100 from me
The other anon is right, you're a coping nigger. Not only are you playing with your dick instead of eradicating jews you aren't getting free money from them by being White with an average or better IQ.
Get the Amazon card. $200 Amazon credit when approved and 5% back on all purchases from Amazon & Whole Foods.
What is this shit? I actually don't understand what the fuck this is or how it works.
A credit card is the number one way to raise your credit score. You don't have to miss any payments, all you got to do is charge money on it every month and pay it off every month and your credit score will jump by 200 points.
I'm a total deadbeat to the credit card companies. I never pay interest and they paid me thousands of dollars in rewards every year because I run my personal and business expenses through credit cards and pay them off every month.
what's stopping me from paying off one card with another until it eventually leads back to my bank?
or also just paying off the debt with one card each month in a circle. is this antisemitism?
sign up for credit card when you turn 18
put a cheap monthly subscription to a service on the card
setup to auto-pay it the same time every month from your bank account
cut the card up into little pieces
continue living your life as normal
wake up with a good goy score five years later
wow that was so hard to build credit
the balances on your accounts are too high compared to loan amounts
what kind of jewery is this
you need to spend just as much on repairs though. Still cheaper than a new car for sure. I say as long as it can reach 120kmph and drive at that speed with a reasonable fuel consumption it's good enough car.
illegal discrimination
wut
kid, they made credit scores so negroes could get credit and they could offshoot the interest rates onto white people.
it's as DEI as you can get.
This is what all the niggers do. It's a you will own nothing lifestyle tho
Do they not come take everything you own? If i didn't pay debt they would come and take everything including clothes.
pay my card off every month and pay my bills on time
don't buy more than I can afford with cash in my account
have 820 credit score
ah man this is so difficult! ITS DA JOOOOSSSSSSSSS!!! It's called personal responsibility, try it out some
time instead of trying to shift the blame.
have $10,000 balance on credit card
you miss/dont make payments and just let interest accrue
amount owed is $11,000 on a $10,000 loan