you're looking at a defeated man whose credit score is 460 and can't get anything for shit

Why do you want to be in debt?

>>937599394 (OP)
Suck dick as a side gig. I did.

>>937599394 (OP)
Mines about there too. It was almost 800 at one point, but then I went back to school to get the degree the bank & investors wanted me to have, and it fucking ruined me financially. I moved back in with my mother and gave up my business ambitions, my product designs & cad models are all sitting there useless, I’ve had to give up on ever having a family, and I’m just riding out the clock for a couple more decades with nothing to live for but my own morbid curiosity to see how fucked up the world can get. The road from where you’re standing leads straight to hell.

>>937599394 (OP)
I didn't think you were serious

>>937599966
Why? If they would invest before, why not now?

shit is tarded
>your score has increased over 800 due to utilizing your numerous credit options
>your score has dropped under 800 due to utilizing your numerous credit options

>>937599394 (OP)
Even with a perfect credit score, you need to earn 150k/yr to qualify for a home loan.
Basically no-one under 45 cares about credit scores anyway and once boomers are done dying off over the next 10 years they'll be completely irrelevant.

>>937599394 (OP)
Mine's barely fair.

Hey there! I'm a 21-year-old girl from the US, a little on the wild side and absolutely love exploring my flirty side through some steamy chats. There's something about pushing boundaries and watching the reactions that just gets me going! I'm super open-minded and ready to have fun, but I prefer staying in and avoiding those crowded places. That's why I'm all about some hot texting sessions. If you're up for some adventurous chats, hit me up! Just add me on 4- u-n-a-s-t-i-vq (make sure to remove the spaces and dashes!). Let's get spicy!

>>937599394 (OP)
Mines probably about that. I'll never ne able to get a mortgage or car loan. Wish I didn't study computer science...

Mine is 826
It just means I can take on debt that isn't as exploitative. But it's still debt, you're still being exploited.

>>937599394 (OP)
So your jew score is low. That's a good thing.

>>937602068
They ended DEI programs pretty much everywhere.

>>937599394 (OP)
There was talk of doing something akin to credit scores here.
It was so unpopular that I doubt a single cop would try to stop people dragging bank CEOs into the street to beat some decency into them.

>>937607019
i am in my 40s and i have a very nice 4 bedroom house and i drive a new 2018 honda accord

>>937602180
its even worse than that. have credit score of over 800 for several years. have 6mo period where you get absolutely fucked physically and financially and fall behind on a few bills. 8yrs later after having paid everything off your credit score is still 450, everything is more expensive, you still get denied housing, and it impacts your job abilities because anywhere worth a damn runs your creditscore as part of a job application. if you dont come from a rich family and you get fucked once you're done.

I defaulted on a 17k bill and it never effected my credit score. AMA.

>>937609397
depending on your state medical bills are in a weird spot. in some states they cant touch your credit score. in other states they can hit your credit score but are removed along with any derogatory marks as soon as the debt is paid. in other states they are treated as any other debt and fuck you.

some states are even weirder and depending on the hospital system itself, if its partnered with or owned by the state or a state owned university to a certain degree they can not only slam your credit score but garnish your wages in a similar way they can if you dont pay your taxes. US tax code is super retarded and the debt laws are even weirder.

>>937609449
not medical bills. was a giant internet bill for a ltd pty i setup to buy an enterprise software license.