Subby doesn't consider being a deadbeat rude?

That's because we're farking annoyed by people who pay their bills late and wouldn't want people annoyed with us.

sigdiamond2000: ITT: Farkers transparently allude to their own good credit score/debt ratio/superior income/mortgage rates/supermodel wives/massive cocks while ostensibly making a larger point relating to the article.

FTF every other one of these threads.

I'm not angry any more since I just quit paying everyone.

/Nothing they can do about it.
//Took my pick: Worrying to death or having peace.
///Blood from a stone, cannot get, etc.
////Why have a good credit score? To borrow more money? Bwah-hahahaha!

You'd think you'd want someone living under a mountain of debt working for you.

I'm so sorry, I think I've entered the wrong thread. Please excuse me.

/walks out quietly

Not surprising. Rude people also tend to be greedy and selfish, and studies show that greedy, selfish people find it easier to claw their way to the top of the ladder where the big money jobs are.

They are also better looking and have larger penises.

Women included.

OTOH, not paying money to bastard banks, because they are bastard banks, not because I am a deadbeat, but because they are bastard banks, kinda sounds heroic in this, our own troubled time.

Fantastic headline. Kudos.

I'd comment but I'm to busy watching my supermodel girlfriend use my black card to converse with you losers.

gadian: Say what you will about rude people, but when it is to their benefit, they get shiat done. They don't care who they have to trample to do it, but their bills are farking paid. Or they're able to badger someone at some creditor well enough to make it go away. So, its good enough.

Until they get killed by some man with a switchblade knife for 43 dollars.

/Not too obscure
//And [they] can skin a buck; [they[ can run a trot-line

Hey!
Watch it!
I don't even know you, subby!

oneodd1: I'm so sorry, I think I've entered the wrong thread. Please excuse me.

/walks out quietly



And stay out, you scurvey bastage!

gadian: Or they're able to badger someone at some creditor well enough to make it go away.

I suspect you've hit the nail on the head there.

"Yeah, I got your money right here! You like that? Huh?"

Pushy Dicks can't wait.

/hawt

HotIgneous Intruder: Why have a good credit score?

Depending on where you live, having a bad credit score can mean you don't get to rent an apartment or have utilities, but hey, whatever works for you.

So, by their definition, stupid and gullible people are "agreeable" now?

Teufelaffe: HotIgneous Intruder: Why have a good credit score?

Depending on where you live, having a bad credit score can mean you don't get to rent an apartment or have utilities, but hey, whatever works for you.

Well, he clearly doesn't live in one of those places...

Round here, landlord actually takes cash.

dustman81: Zel: Teufelaffe: HotIgneous Intruder: Why have a good credit score?

Depending on where you live, having a bad credit score can mean you don't get to rent an apartment or have utilities, but hey, whatever works for you.

Well, he clearly doesn't live in one of those places...

Round here, landlord actually takes cash.

Not to mention, not being able to get a job or affordable car/home insurance.

Dave Ramsey is wrong. A credit score is more than a "I love debt" score. Landlords, employers and insurers look at it, too.

You credit score white nights sound like good authoritarian followers, plus, YOU are the reason credit scores are so effective -- you play along with the game because you can't imagine any other way. You really believe your life is a supermarket of goods and services from which you must choose, OR ELSE.
Fark that.

Somebody starts a for-profit corporation that takes all of your personal information and rates your worth as a person (not really, but that's the effective, practical end result) and you just buy right into it. "Sure, OK, sign me up!"

Just stop playing the game. Unbank yourselves. Quit feeding the system that's trying to kill you. Proles. The company does not love you. The corporation does not love you. Your bank with the teller with the titties does not live you.

/You are all insane for allowing this stuff to go on.

sure they might have good credit scores....but they pay in the long run...

/granny always said a spoonful of honey draws more bees than a spoonful of vinegar
//damn they stung me again granny!
//HELP!!!

HotIgneous Intruder: dustman81: Zel: Teufelaffe: HotIgneous Intruder: Why have a good credit score?

Depending on where you live, having a bad credit score can mean you don't get to rent an apartment or have utilities, but hey, whatever works for you.

Well, he clearly doesn't live in one of those places...

Round here, landlord actually takes cash.

Not to mention, not being able to get a job or affordable car/home insurance.

Dave Ramsey is wrong. A credit score is more than a "I love debt" score. Landlords, employers and insurers look at it, too.

You credit score white nights sound like good authoritarian followers, plus, YOU are the reason credit scores are so effective -- you play along with the game because you can't imagine any other way. You really believe your life is a supermarket of goods and services from which you must choose, OR ELSE.
Fark that.

Somebody starts a for-profit corporation that takes all of your personal information and rates your worth as a person (not really, but that's the effective, practical end result) and you just buy right into it. "Sure, OK, sign me up!"

Just stop playing the game. Unbank yourselves. Quit feeding the system that's trying to kill you. Proles. The company does not love you. The corporation does not love you. Your bank with the teller with the titties does not live you.

/You are all insane for allowing this stuff to go on.

You sound like a 99er.

My credit score is over 800. The logic here is sound.

HotIgneous Intruder: dustman81: Zel: Teufelaffe: HotIgneous Intruder: Why have a good credit score?

Depending on where you live, having a bad credit score can mean you don't get to rent an apartment or have utilities, but hey, whatever works for you.

Well, he clearly doesn't live in one of those places...

Round here, landlord actually takes cash.

Not to mention, not being able to get a job or affordable car/home insurance.

Dave Ramsey is wrong. A credit score is more than a "I love debt" score. Landlords, employers and insurers look at it, too.

You credit score white nights sound like good authoritarian followers, plus, YOU are the reason credit scores are so effective -- you play along with the game because you can't imagine any other way. You really believe your life is a supermarket of goods and services from which you must choose, OR ELSE.
Fark that.

Somebody starts a for-profit corporation that takes all of your personal information and rates your worth as a person (not really, but that's the effective, practical end result) and you just buy right into it. "Sure, OK, sign me up!"

Just stop playing the game. Unbank yourselves. Quit feeding the system that's trying to kill you. Proles. The company does not love you. The corporation does not love you. Your bank with the teller with the titties does not live you.

/You are all insane for allowing this stuff to go on.

Yes, you're totally right. Pointing out how having a good credit score affects more than just your finances in our society is totally white knighting the credit system.

You're not very good at that whole "logic" thing, are you?

Genju: That's because we're farking annoyed by people who pay their bills late and wouldn't want people annoyed with us.

how rude of you!!

Skanque: Fantastic headline. Kudos.

SHUT your FARKing PIE hole, you sycoPHANtic LOSer!

uber humper: Subby doesn't consider being a deadbeat rude?

I have no credit score because i dont use debt. I own a home that i saved and paid cash for. I own rental properties. I am an honest, good person. I am far from being a deadbeat. I am a much better risk than a person with a high credit score and a lot of debt. A credit score is often a debt score. It shows how consistantly a person lives beyond their means and demonstrates poor impulse control. A person who has to work to make payment on things they cannot afford is much more likely to become a theif.

Mija: uber humper: Subby doesn't consider being a deadbeat rude?

I have no credit score because i dont use debt. I own a home that i saved and paid cash for. I own rental properties. I am an honest, good person. I am far from being a deadbeat. I am a much better risk than a person with a high credit score and a lot of debt. A credit score is often a debt score. It shows how consistantly a person lives beyond their means and demonstrates poor impulse control. A person who has to work to make payment on things they cannot afford is much more likely to become a theif.

Considering mean/rude people are that way because they're hypercritical of themselves, it's not surprising they'd pay their bills on time because they condition themselves to uphold their obligations through self abuse.

/totally made that up but it sounds convincing

Teufelaffe: HotIgneous Intruder: dustman81: Zel: Teufelaffe: HotIgneous Intruder: Why have a good credit score?

Depending on where you live, having a bad credit score can mean you don't get to rent an apartment or have utilities, but hey, whatever works for you.

Well, he clearly doesn't live in one of those places...

Round here, landlord actually takes cash.

Not to mention, not being able to get a job or affordable car/home insurance.

Dave Ramsey is wrong. A credit score is more than a "I love debt" score. Landlords, employers and insurers look at it, too.

You credit score white nights sound like good authoritarian followers, plus, YOU are the reason credit scores are so effective -- you play along with the game because you can't imagine any other way. You really believe your life is a supermarket of goods and services from which you must choose, OR ELSE.
Fark that.

Somebody starts a for-profit corporation that takes all of your personal information and rates your worth as a person (not really, but that's the effective, practical end result) and you just buy right into it. "Sure, OK, sign me up!"

Just stop playing the game. Unbank yourselves. Quit feeding the system that's trying to kill you. Proles. The company does not love you. The corporation does not love you. Your bank with the teller with the titties does not live you.

/You are all insane for allowing this stuff to go on.

Yes, you're totally right. Pointing out how having a good credit score affects more than just your finances in our society is totally white knighting the credit system.

You're not very good at that whole "logic" thing, are you?

If there's a street gang that hangs out in the parking lot and robs you at gunpoint every time you go to your car, by your logic you should just accept the robbery as the price you pay for being able to get to your car to drive it. Your logic precludes any radical ideas like calling a cop or getting a bunch of your friends to come with you and beat the crap out of the thieves or run them off the parking lot, or even parking somewhere else to avoid the gang.

Enjoy your ever-eroding standard of living. When you're old and broke, sleep well knowing that you enabled the system that took all of your money, from the 401(k) multi-generational robbery, to the banking-financial industry that controls and levied defacto taxes on every transaction and used you money to make money, to the credit card companies, to the health care insurance industry that refused to pay enough of your bills so that your life savings were eroded (stolen) to pay your medical expenses.

Enjoy that, serfs. Do nothing. Take no action. Seriously, it's as though you people enjoy being robbed at every turn of your rat-like lives. Is that gigantic self-loathing or what? Or is it because you got screwed all your lives so you want to pass the abuse down to subsequent generations, just so that they know what it's like, too?

Where's the "logic" in that?

Teufelaffe: HotIgneous Intruder: dustman81: Zel: Teufelaffe: HotIgneous Intruder: Why have a good credit score?

Depending on where you live, having a bad credit score can mean you don't get to rent an apartment or have utilities, but hey, whatever works for you.

Well, he clearly doesn't live in one of those places...

Round here, landlord actually takes cash.

Not to mention, not being able to get a job or affordable car/home insurance.

Dave Ramsey is wrong. A credit score is more than a "I love debt" score. Landlords, employers and insurers look at it, too.

You credit score white nights sound like good authoritarian followers, plus, YOU are the reason credit scores are so effective -- you play along with the game because you can't imagine any other way. You really believe your life is a supermarket of goods and services from which you must choose, OR ELSE.
Fark that.

Somebody starts a for-profit corporation that takes all of your personal information and rates your worth as a person (not really, but that's the effective, practical end result) and you just buy right into it. "Sure, OK, sign me up!"

Just stop playing the game. Unbank yourselves. Quit feeding the system that's trying to kill you. Proles. The company does not love you. The corporation does not love you. Your bank with the teller with the titties does not live you.

/You are all insane for allowing this stuff to go on.

Yes, you're totally right. Pointing out how having a good credit score affects more than just your finances in our society is totally white knighting the credit system.

You're not very good at that whole "logic" thing, are you?

The very idea that having a GOOD credit score is a prerequisite for work, residence, or personal loans is false, though, and propagating it is in fact white "nighting" (as the Boobieser put it). When running a credit score, the only 2 outcomes you want are A) a great score, or B) NO SCORE AT ALL. Then, when they ask why you have no score, you simply say "I pay cash for all my expenses", and you can verify income to get your loan. It's called manual underwriting, and more and more banks are doing it all the time.

The credit score is farking bullshiat, and we all know it. Stop buying into it, and it won't be necessary to buy into any longer.

un4gvn666: (as the Boobieser put it)

Nice.

HotIgneous Intruder: Teufelaffe: HotIgneous Intruder: dustman81: Zel: Teufelaffe: HotIgneous Intruder: Why have a good credit score?

Depending on where you live, having a bad credit score can mean you don't get to rent an apartment or have utilities, but hey, whatever works for you.

Well, he clearly doesn't live in one of those places...

Round here, landlord actually takes cash.

Not to mention, not being able to get a job or affordable car/home insurance.

Dave Ramsey is wrong. A credit score is more than a "I love debt" score. Landlords, employers and insurers look at it, too.

You credit score white nights sound like good authoritarian followers, plus, YOU are the reason credit scores are so effective -- you play along with the game because you can't imagine any other way. You really believe your life is a supermarket of goods and services from which you must choose, OR ELSE.
Fark that.

Somebody starts a for-profit corporation that takes all of your personal information and rates your worth as a person (not really, but that's the effective, practical end result) and you just buy right into it. "Sure, OK, sign me up!"

Just stop playing the game. Unbank yourselves. Quit feeding the system that's trying to kill you. Proles. The company does not love you. The corporation does not love you. Your bank with the teller with the titties does not live you.

/You are all insane for allowing this stuff to go on.

Yes, you're totally right. Pointing out how having a good credit score affects more than just your finances in our society is totally white knighting the credit system.

You're not very good at that whole "logic" thing, are you?

If there's a street gang that hangs out in the parking lot and robs you at gunpoint every time you go to your car, by your logic you should just accept the robbery as the price you pay for being able to get to your car to drive it. Your logic precludes any radical ideas like calling a cop or getting a bunch of your friends to come with you and beat the crap out of the thieves or run them off the parking lot, or even parking somewhere else to avoid the gang.

Enjoy your ever-eroding standard of living. When you're old and broke, sleep well knowing that you enabled the system that took all of your money, from the 401(k) multi-generational robbery, to the banking-financial industry that controls and levied defacto taxes on every transaction and used you money to make money, to the credit card companies, to the health care insurance industry that refused to pay enough of your bills so that your life savings were eroded (stolen) to pay your medical expenses.

Enjoy that, serfs. Do nothing. Take no action. Seriously, it's as though you people enjoy being robbed at every turn of your rat-like lives. Is that gigantic self-loathing or what? Or is it because you got screwed all your lives so you want to pass the abuse down to subsequent generations, just so that they know what it's like, too?

Where's the "logic" in that?

Let me see if I get this straight. There's a gang that robs people at gunpoint every time someone walks to their car. Along comes someone who, when told that this is a dangerous neighborhood due to high crime rates, says "Dangerous? No way, I'm perfectly safe. Crime rates don't affect me!" In steps another person who says, "Actually, there's a gang that is going to hold you up at gunpoint if you walk to your car, so yeah, crime rates are definitely going to affect you if you walk into that parking lot."

Now, according to you, the person pointing out the presence of the gang and what's going to happen if someone walks into the lot is "white knighting" for said gang. I guess because they're not out there in the parking lot, beating up the gang members, or something.

Like I said, you're not so good with that whole "logic" thing.


un4gvn666: The very idea that having a GOOD credit score is a prerequisite for work, residence, or personal loans is false

Really? When my credit score was in the sub-500 range, I couldn't rent an apartment from anyone other than places that didn't run credit checks specifically because of my credit score. My last employer simply tossed out the applications of anyone with a bad credit score. My current employer will only hire someone with bad credit if they promise to work on making it better. This may not be the case where you are, but to say it's false based on that is, at best, naive.

That's why I started my original post with the phrase "Depending on where you live..."

Teufelaffe:
Really? Really? When my credit score was in the sub-500 range, I couldn't rent an apartment from anyone other than places that didn't run credit checks specifically because of my credit score. My last employer simply tossed out the applications of anyone with a bad credit score. My current employer will only hire someone with bad credit if they promise to work on making it better. This may not be the case where you are, but to say it's false based on that is, at best, naive.

That's why I started my original post with the phrase "Depending on where you live..."

Wow, my mistake. I only meant to include loans and mortgages in that statement. Loans and mortgages are definitely attainable without a credit score at all. Sadly, it is factually true that many landlords and employers use credit scores as a determination for hiring and occupancy, and it really shouldn't be that way. My apologies.

un4gvn666: Teufelaffe:
Really? Really? When my credit score was in the sub-500 range, I couldn't rent an apartment from anyone other than places that didn't run credit checks specifically because of my credit score. My last employer simply tossed out the applications of anyone with a bad credit score. My current employer will only hire someone with bad credit if they promise to work on making it better. This may not be the case where you are, but to say it's false based on that is, at best, naive.

That's why I started my original post with the phrase "Depending on where you live..."

Wow, my mistake. I only meant to include loans and mortgages in that statement. Loans and mortgages are definitely attainable without a credit score at all. Sadly, it is factually true that many landlords and employers use credit scores as a determination for hiring and occupancy, and it really shouldn't be that way. My apologies.

No problem. And I totally agree that things should not be the way they are. Especially for renting. One of the reasons I used to have such a shiatty credit score is because I chose to pay rent before my other bills whenever there was an "I can pay one or the other, but not both right now" situation. I have an excellent renting history, but my credit history was crap. You'd think that would make me a better tenant in the eyes of landlords, but that would make sense, so of course it's not the way things work.