Thread 513741300

based or a jewish trick?

there is no credit score in the UK

>>513741300 (OP)
Libtards and Conservacucks will say that this guy deserves the same rights, such as voting, as them. Lol, and they or sometimes their children are willing to die for that belief. It's rabidly ingrained in them until it's second nature to believe that, it's scary.

usury is satanic

>>513741487
how do you get approved for loans then?

>>513741300 (OP)
jewish trick. mine has got to be terrible at this point.

>>513741487
yes there is

>>513741632
hes in for shock ignore him

>>513741658
my us one*

>>513741661
yes but it’s based on outstanding debt. If you pay it your credit score goes back to normal. the us credit score is much more complicated like >>513741562 says

>>513741300 (OP)
Very Jewish. Niggers have low scores for anything scored outside of a basketball game though

>>513741752
you are incorrect

>>513741300 (OP)
it is a slave collar

>>513741300 (OP)
In general, I dont think its a bad thing for lenders to be able to see if someone has a history of paying their debts on time, before they decide to lend to someone. If I was lending money to someone, I wouldnt want to lend to someone who has never paid back any debt in their life. Id be okay lending to someone who has a history of paying their debts on time and in full. I dont fault lenders for wanting this information. Its kind of bs how the score is determined but it is what it is. Pay your debts on time and in full and your credit score improves. If you want to be a retard and avoid debt your whole life, dont worry about it. If you think you might ever need debt, like getting a loan to buy a house or a car, then you should care about your credit score. So you can access credit when you need it. Its better to work on your score years before getting a mortgage

>>513741982
well idk what kinda satanic system you have but that’s how it works in a real country.

>>513741300 (OP)
>>513741562
>>513741658
>>513741767
>>513742167

Wow I didn't know we had so many poor losers in here who blame others for their poor financial decisions, although the stench of homelessness should've given me a hint

It's a method of calculating the likelihood that you will pay off a debt in full as previously agreed. Which is why coercive debt such as medical debt and taxes should not appear on it, only voluntary debt
>nooooo just pay the hospital in full once you wake up from that Indian running a red light tbones you
quiet, kike

>>513742844
Lenders can be understanding. I agree it shouldn't be there but it also shows up as medical debt. Anyone looking at the report knows what it is and can also see if they pay off their credit cards, personal loans, auto loans, etc. Its not viewed the same as defaulting on an auto loan or having a credit card closed for non payment

>>513741300 (OP)
It’s absolutely a jewish trick, but it fucks over niggers way more than white people so it’s funny. If America was still white, there’d be no need for it But we live in a multicult hellhole so it’s whatever for me.

>>513742844
Medical debt is the easiest debt to pay, you can literally negotiate down to a dollar a day.

>>513743101
>no credit score
Then you'd HAVE to have a bond or collateral system, or going wayyy back to a debtor prison.
>interest
Should be fixed, and non accumulating.

>>513741658
Why don’t you pay off your debts then?

>>513741300 (OP)
The most Jewish, Jewish trick there is.
If you can't pay it cash, you can't afford it.
If you can't afford it, you shouldn't be trying to buy it, let alone go into debt for it AND pay interest on top of the debt.
It's pretty much a financial IQ test.

>>513743844
The thing is that borrowing money has become so ingrained at this point that it’s priced into everything.

>>513741487
yes there is; there is EVEN IN TRAD AND BASED RUSSIA

>>513741300 (OP)
Someone said the credit report is what matters but you can diddle the credit score by buying a SIM card that you pay £10 a month to and it contributes to your credit score

>>513741300 (OP)
>4
How

>>513742774
>memeflag
>serialized hebraic filename
First day? You are supposed to change the filename so we goyim don't realize that you're doing hasbara work.

>>513741521
This guy has probably worked under the table and bought everything cash, no way he has a car and and phone like that unless you go into debt or just buy outright. The thing is if you want any sort of credit score you have to go into debt. Even when my net worth was like - 50k at one point in my life I still had a 500point score because I never missed a payment, I have a mortgage now and a 790poiny score, no other debts.

>>513741300 (OP)
I don't know how credit ratings work but how the hell do you get a four? Once you're that low isn't it the same as zero? In fact you would think once it got to 100 that would be more or less be the bottom. Why bother counting down after that. Nobody's going to fucking loan you a fucking dime if you're below a hundred.

>>513743959
The issue isn't loans in general, the issue is that loans are big and have interest. Nothing wrong with small loans with no interest

>>513744536
Yes you can improve your history of paying recurring bills by paying recurring bills

>>513741632
idk about the UK but here they ask about proof of income and they check your credit record themselves ig, you also get filed in some system if you've been massively indebted in the past

almost no one has a credit card here btw it's all debit

>>513741300 (OP)
>more power to globohomo tyrannical government is really that bad chat?
op is a fag

>>513744536
so you pay your bills back and get better credit? woah revelatory info and quite the "diddle"

>>513741300 (OP)
When you tell a European what a credit score is they are disgusted and say it should be illegal.

>>513744536
If you pass their credit checks, a phone contract will develop credit history. If its something like Loqbox, not genuine credit but they report it like it is, they claim it will improve your score, but lenders probably see straight through it. I suppose it depends on what credit products youre applying for.

Anyway the banking and credit sectors are vile, absolutely jewish. But you gain absolutely nothing from trying to fight it. You simply have to play the game, which is also a vile aspect of it. I just don't agree with the system or how ingrained it is, or how much of an obstacle it can be.

i thought the minimum was like 350? mine is near the max. i am somewhat happier if the niggers can actually hit zero.

>>513741300 (OP)
Credit scores is literally social credit that the US keeps saying China has

>>513743311
Nah the entire world functions fine without your goy scores.

>>513745393
you're not europeon. what is wrong with a credit score, niggerboy? use your own words.

>>513745443
so they are exactly the same then? what is wrong with a credit score, niggerboy? there is a problem with usury and fractional banking. not credit scores. and it is not the same as the chinese system, you dumb fucking loser.

>>513745465
you literally have them in europe you retard. you're not european youre a mutt with zero credit LARPing. sad little gay retard.

>>513745258
Oh so you have credit scores you just aren't allowed to see. I gurenetee all the jews use the same system of score for the goy.

>>513745393
Lol the Dutch invented "credit scores".

>>513741487
>>513741300 (OP)
It's a jewish trick

>>513745258
A credit score is just a numeric value that represents your credit report.

>>513743311
Interest should just not exist, and the government should give loans away to people who meet a certain criteria (white, racist, misogynistic, etc).

>>513745648
>>513745870
They can't check credit reports from other companies. If you take loan from the same companies over and over again they likely keep their own internal credit score, but unless you've fucked up big time and got on the national registry, they know nothing.
They did try to make a national credit score system in the 2010s but it was scrapped after it was deemed unconstitutional due to privacy issues.

>>513745469
>>513745587
>>513745657
Look at these jewish slaves defending their masters and their goy score system.

>>513746156
Good country. In goymerica if you want to rent a house your landlord gets a report of everywhere you've ever lived and everywhere you've ever worked and all kinds of other info about your financial status.

>>513741300 (OP)
I thought the base was a couple hundred as a starter... how did he get it down to single digits?

>>513746300
Anon the Dutch still use an overlooming system they invented to "trap" traders back in the day, where you had to register with the government to get any sort of loan that was meticulously tracked and of you failed to make payments you couldn't do shit, you had to go build a dyke or some shit.

>>513741300 (OP)
I'm about to tank mine by not paying loans and credit cards back then just settling for half the debt all signature loans so no loss sleep on my end

>>513741300 (OP)
Having a single digit credit score is inherently based.

>>513742774
It's almost like /pol/ is a brown incel sanctuary

I am at 820 normally, get a nice card for points and shit, get to the reward, then zero it out. I think i got down to 730 this year because I did it with three cards at the same time. They are now all zeroed out so back up to 800+ next month.

I have really low income, so it doesn't really help me.

>>513741300 (OP)
the people who suffer due to low credit score tend to be majority blacks but that doesn't mean whites don't struggle
many white families get destroyed because of it, many are still suffering and their numbers aren't going down
it's definitely a tengu trick
chink and jeets tend to have the highest credit score
no "credit score by ethnicity stat" includes (((them))), because they don't borrow money to begin with, they only lend

>>513741300 (OP)
>4
What? The lowest credit score I've ever seen is 380.

>>513741300 (OP)
A credit score of 4 is not even possible.

>>513747838
Well I am super white.

>>513741300 (OP)
You cant have a credit score of 4
The lowest it goes is 350, not counting the should be aspired for 0