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TheScott2K posted:Rating Rihanna over Beyoncé should negatively affect your credit score Not logical, but it would make more sense than the current system. Edit - Have a dog 
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Sep 8, 2017 19:31
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So, have we gotten our weekly Friday news dump/controversial WH departure yet?
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Sep 8, 2017 19:31
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SulphagneSocialist posted:Reading this discussion as a foreigner in a country where there's only negative credit reports (i.e. you can only have "bad" credit, and the lack thereof is automatically "good" credit), this whole thing where you have to dutifully take out a credit card and use credit to have the right to exist as a valued citizen and get things like an apartment is really hosed up. Landlords aren't allowed to discriminate based on the things they really want to, but credit score is a pretty useful justification to deny leases to "those types".
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Sep 8, 2017 19:34
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This is a pretty good hurricane tweet: https://twitter.com/kind_kiwi/status/905509579840262144
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Sep 8, 2017 19:35
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Jose is now a Category 4 hurricane.
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Sep 8, 2017 19:37
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Ok. No problem
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Sep 8, 2017 19:38
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Enigma89 posted:What the gently caress is going on with this Equifax website to see if your poo poo was stolen or not. Even NYT recommended going on there but it's a just phishing attempt OR is it a giant attempt for people to agree to arbitration? Does anyone know at what point are you hosed in either situation? I started enrollment but it told me my enrollment date is in a few days. > Company discovers breach July 29. > 3 Equifax executives sell 2 million dollars in stock. August 1. > The rest of the month of August happened, then another week. > Equifax notifies the public September 7. And here we are!  I personally would not touch that website with a ten-foot pole. gently caress them.
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Sep 8, 2017 19:40
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CodeJanitor posted:With half of Americans having all their personal information stolen, this will be used by Republicans to force a new identification system onto all citizens of this country. That identification will then be tied to everything: Social security, healthcare, welfare, voting, homeland security, passports, drivers license, gun purchases, and tied to your bank account and credit information required to purchase goods and services. As long as it doesn't track who buys guns.
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Sep 8, 2017 19:41
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Hot take: Will the Equifax leak end up a net positive for the country? I'm convinced this poo poo's been leaked over and over again and people either don't know or keep their heads in the sand about it but it's a bit harder to ignore this time around. Hopefully it'll also push people to get credit freezes -- me included. Normally there may be a fee (up to $15 for each of the four major credit bureaus) to place a fee unless you think you've been breached but let's face it, you've been breached. Further down the line it'd be nice if this triggered a push for something other than SSNs for verification, but that'll be for another administration I'm sure.
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Sep 8, 2017 19:43
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RuanGacho posted:Don't enroll, freeze your credit. So in my limited understanding, freezing your credit costs money (as in $10-$15 for each of the three major companies, depending on your state), but declaring a fraud alert is free (but not as secure). And that many states mandate free credit freezes when you can show proof of identity theft. Would this event constitute identity theft? Is it worth it to pay $30 for a freeze? https://www.nerdwallet.com/blog/finance/difference-between-fraud-alerts-and-credit-freezes/
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Sep 8, 2017 19:43
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Tayter Swift posted:Hot take: Will the Equifax leak end up a net positive for the country? I'm convinced this poo poo's been leaked over and over again and people either don't know or keep their heads in the sand about it but it's a bit harder to ignore this time around. Credit freezes are good to prevent new lines of credit, but they won't prevent your identity being used in all kinds of other nefarious ways.
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Sep 8, 2017 19:44
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Your biggest gun is now your personal identifier. Live by the gun, die by the gun, get utilities connected by the gun.
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Sep 8, 2017 19:45
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KickerOfMice posted:> Company discovers breach July 29. Shouldn't the SEC be escorting these dudes from their offices?
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Sep 8, 2017 19:46
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Kaal posted:So in my limited understanding, freezing your credit costs money (as in $10 for each of the three major companies), but declaring a fraud alert is free (but not as secure). And that many states mandate free credit freezes when you can show proof of identity theft. Would this event constitute identity theft? Is it worth it to pay $30 for a freeze? $30 seems like a small price to pay for your credit score which is arguably one of the most important things out there. I am going to do it as soon as I get home (can't do it from office). Also side story, the last apartment I moved into only had me pay a half deposit on my place because my credit score was so good
Enigma89 fucked around with this message at 19:48 on Sep 8, 2017 |
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Sep 8, 2017 19:46
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RuanGacho posted:Don't enroll, freeze your credit. This is good advice. The website where you enroll seems so slapdash an answer, as if they had just gotten wind of this. They had five weeks to prepare and this is the best you can do? Reminiscent of REPEEL AN REPLASE - you had seven years to plan for this.
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Sep 8, 2017 19:46
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Flip Yr Wig posted:Shouldn't the SEC be escorting these dudes from their offices? They said they didn't know.
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Sep 8, 2017 19:47
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Tayter Swift posted:Hot take: Will the Equifax leak end up a net positive for the country? Ha Trump will make a tweet about Mexico and this whole thing will be forgotten in 2 weeks by everyone but the victims.
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Sep 8, 2017 19:48
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Flip Yr Wig posted:Shouldn't the SEC be escorting these dudes from their offices? 'Should they? or 'Will they?' 
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Sep 8, 2017 19:48
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Should have dismantled all of this poo poo as a condition of TARP.
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Sep 8, 2017 19:49
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Well, this explains how someone was able to get into my bank account and change the contact details on June 29th.
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Sep 8, 2017 19:49
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https://twitter.com/washingtonpost/status/905914093831409664 Sigh
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Sep 8, 2017 19:50
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https://twitter.com/AGSchneiderman/status/906195350532304896
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Sep 8, 2017 19:50
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Owlofcreamcheese posted:I can't remember what it was exactly but when world of warcraft was brand new there was some feature that it required a high enough credit score to use. It was signing up for something for more than 6 months, you didn't have to pay all at once but it had to check your credit score to make sure you'd really pay. I wish Charles Dickens had survived to write a novel about this.
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Sep 8, 2017 19:51
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Dead Gay Username posted:Well, this explains how someone was able to get into my bank account and change the contact details on June 29th. Could have been unrelated. Your personal information has probably already been hacked dozens of times. They only announce the breaches that they find. Most companies are such poo poo at InfoSec it'll take them years to figure it out. If they ever do. Xae fucked around with this message at 19:56 on Sep 8, 2017 |
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Sep 8, 2017 19:52
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Enigma89 posted:$30 seems like a small price to pay for your credit score which is arguably one of the most important things out there. I am going to do it as soon as I get home (can't do it from office). yeah cause everyone has $30. I can pay to freeze my no credit or have gas/food/phone I'm going with gas/food/phone. real talk: I have $2.38 in my bank account. 0 in my savings besides the $5 I can't take out.
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Sep 8, 2017 19:52
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There has to be a thread for this right? Because where the US healthcare system is hosed up it is at least conceptually hard to fix, the US credit system though is just predatory bullshit with clearly extralegal powers. Reforming it encounters some vested interests, but I am not that sure they are that powerful ones. Wall Street should certainly be fine with reforming that stuff, getting a pool of people who can buy on margin if they want.
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Sep 8, 2017 19:52
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Enigma89 posted:$30 seems like a small price to pay for your credit score which is arguably one of the most important things out there. I am going to do it as soon as I get home (can't do it from office). Oh and apparently fees can get really outrageous in some states because #statesrights Live in a red state? You're probably going to pay $10-$20 every time you want to lift or renew your freeze. Does your rental car agency want to check all three companies? That's $60. http://www.creditcards.com/credit-card-news/credit-card-freeze-data-1276.php
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Sep 8, 2017 19:52
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I mean, the DOJ is supposed to side with poor, oppressed minorities. Like homophobes who get triggered at the mere reminder that gay people exist, poor things.
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Sep 8, 2017 19:54
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Majorian posted:I mean, the DOJ is supposed to side with poor, oppressed minorities. Some day I hope people look back at the Supreme Court rulings of this era and laugh at the idea that they ever had any legitimacy.
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Sep 8, 2017 19:56
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This is fun https://twitter.com/SINON_REBORN/status/905937421048655873
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Sep 8, 2017 19:56
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Can't wait to see how the log-cabin Republicans spin this! "Separate water fountains...could be good?"
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Sep 8, 2017 19:58
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Flip Yr Wig posted:Shouldn't the SEC be escorting these dudes from their offices? As a second answer to this- These are wealthy white men that work in the c-suite of a financial industry giant. They will not be treated as if they were something so meager and boorish as criminals, no matter what happens. e- 
KickerOfMice fucked around with this message at 20:07 on Sep 8, 2017 |
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Sep 8, 2017 20:03
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Koalas March posted:The bank ran my credit score 2 weeks ago ( From a while back, but my job is to build predictive risk models for loan defaults. In our model we use consumer credit score and actually no credit is usually a worse indicator than bad credit. Get a credit card with a really tiny limit and just pay it off every month so you have some payment history in the event you need a car/home/whatever loan. edit: the whole area is really neat but i've always hesitated about talking about my job/life on here out of fear of internet weirdos doxxing me axeil fucked around with this message at 20:27 on Sep 8, 2017 |
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Sep 8, 2017 20:04
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) and my credit is 0 somehow. I guess never having credit card to pay off backfired on me. I should owe some money for medical bills at least, but i guess 0 is better than outright bad?
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Radish posted:It's no Obi Wan Nairobi. Fresh Prince of Bill Ayers will always be my favorite.
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Sep 8, 2017 20:06
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I'm really enjoying the GOP getting angry and pretty much admitting that Trump was supposed to be their useful idiot, and not the Dems. Still the Dems should be cautious about any support they get from Trump. Trump doesn't care about Dem causes or Repub causes, just making himself look good, and he will throw anyone under the bus to get ahead. He is really a monster that has gone beyond the control of his creator.
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Sep 8, 2017 20:08
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SCOTUS hasn't ruled in that case, that's just recapping that Trump's DOJ is siding with him. Surprise! That being said I don't think SCOTUS will rule in his favor because by my estimate 4 more hurricanes should be slamming into the east coast soon and washing it out to sea.
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Sep 8, 2017 20:08
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Cru Jones posted:SCOTUS hasn't ruled in that case, that's just recapping that Trump's DOJ is siding with him. Surprise! In a Category 5-4 decision...
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Sep 8, 2017 20:10
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Ashcans posted:In a Category 5-4 decision... New thread title please
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Sep 8, 2017 20:11
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Nothing is more American than being denied housing unless you obtain (and keep) debt, so that the people who own your housing know that you are a bill-payer.
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Sep 8, 2017 20:11
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Not to derail credit chat but I haven't seen much talk about the police Union response to Michael Bennett and his public statements. https://twitter.com/Vanessa_Murphy/status/905845854128529408 They had to bring Kaepernik politics into it for some reason..?!
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Sep 8, 2017 20:13
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