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oldpainless posted:Fun fact: checking your credit score lowers your credit score. Another fun fact: the credit score you can see isn't the one any real lender uses. The real scores are still secret.
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Feb 5, 2021 16:48
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oldpainless posted:Fun fact: checking your credit score lowers your credit score. This is a common misconception. There's a difference between a soft pull and a hard pull on your credit.
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Feb 5, 2021 16:50
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My not very unpopular opinion is that all of the above, true or not, and even just the fact that it could possibly be true, is bullshit, and I sincerely hope you can improve your society somewhat.
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Feb 5, 2021 17:50
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Manager Hoyden posted:Another fun fact: the credit score you can see isn't the one any real lender uses. The real scores are still secret. That's because there's a difference between hard pulls and soft pulls. It's not so much a "secret" just that the score lenders use is gonna be an aggregate of all three reports from a hard pull. Soft pulls don't do anything to your rating. Hard pulls you don't want more than a couple a year if you can help it. It definitely should be easy more transparent though.
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Feb 5, 2021 19:20
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Solice Kirsk posted:That's because there's a difference between hard pulls and soft pulls. It's not so much a "secret" just that the score lenders use is gonna be an aggregate of all three reports from a hard pull. No, I literally mean that even if you pay actual money to order complete reports from all three reporting agencies, you will not see the same information a lender sees. There are completely different report products sold to lenders.
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Feb 5, 2021 19:39
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Disney World rules as an adult and I'd go a lot if I was rich. gently caress going with family. I'd go with people who are cool to not interact 24/7. Just wander around alone or in couples riding rides for the day, tiding over the lines with the freedom of wearing headphones and daydrinking instead of being obligated to interact with family, then meet up in the evening to hit up a restaurant and go ride rides drunk at whatever park has a parade or fireworks or something siphoning people away from lines. This is my dream.
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Feb 6, 2021 00:45
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I think almost every office job would be more efficient/effective if everyone got a private office. And not those "modern" private offices with glass walls with no blinds.
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Feb 6, 2021 02:02
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Solice Kirsk posted:That's because there's a difference between hard pulls and soft pulls. It's not so much a "secret" just that the score lenders use is gonna be an aggregate of all three reports from a hard pull. What is a hard pull and why should anyone be allowed to do it?
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Feb 6, 2021 02:06
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yeah I eat rear end posted:I think almost every office job would be more efficient/effective if everyone got a private office. And not those "modern" private offices with glass walls with no blinds. This is “Post Your Personally Held Unpopular Opinion,” not “Post Your Personally Held Unpopular Fact.”
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Feb 6, 2021 02:25
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I feel like real life has come become a maze of irony. This weekend I decided not to have sex due to the plague and because it's too cold (negative 17), even tho I wanted to. That's what irony means right?
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Feb 6, 2021 02:57
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Probably a popular opinion but schools should be teaching consumer math and economics instead of algebra and calculus. I've greatly underestimated the amount of financial illiteracy among the general population.
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Feb 6, 2021 03:10
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SHouldn't that be 2 separate topics, theory and application.
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Feb 6, 2021 03:13
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Manager Hoyden posted:No, I literally mean that even if you pay actual money to order complete reports from all three reporting agencies, you will not see the same information a lender sees. There are completely different report products sold to lenders. Kinda, any free app or website or whatever you use will give a pretty close estimate with out doing a hard pull of your credit. If you're looking for this "secret" credit report then you can go to FTC.gov and request it. There's no ping for a hard pull and it has all the information that lenders will need for most people. You can request it once a year from them for free. doverhog posted:What is a hard pull and why should anyone be allowed to do it? A hard pull is when a lender or whoever formally applies to get your credit information to determine if they want to lend to you and too many of them can lower your actual score. They can decide not to lend to you for a bunch of reasons even if your actual score meets their criteria. People get declined for having too much outstanding credit or because they are overleveraged in certain things. Most people don't have to deal with that, but it's all part of what credit reporting does. A soft pull is what all those "free credit score" sites do and don't affect your credit score because it's not a request for an extension of credit. FTC.gov will have the most accurate information, but might be a few points off depending on when you run that vs when the lender runs it. Reputable free credit check apps will usually tell you close enough to determine where you stand, but may be off by 10-20pts depending on how they get their info. That could be a little or a lot depending on where you land. 780-800, doesn't matter. 680-700, might matter a lot depending on what you're doing. If you're over 770 then stop worrying about it.
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Feb 6, 2021 04:13
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I think the credit score people should stop caring about how much credit utilization I have. Yeah I've been at 90% usage for like 10 years, but I've never missed a payment, maybe give me more money so I can keep being consistent instead of lowering my score?
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Feb 6, 2021 04:16
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yeah I eat rear end posted:I think the credit score people should stop caring about how much credit utilization I have. Yeah I've been at 90% usage for like 10 years, but I've never missed a payment, maybe give me more money so I can keep being consistent instead of lowering my score? If you're at 90% credit utilization for a decade and haven't managed to pay it down, why would they lend you money when you'd end up paying extra interest and start missing payments
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Feb 6, 2021 04:22
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Gaius Marius posted:If you're at 90% credit utilization for a decade and haven't managed to pay it down, why would they lend you money when you'd end up paying extra interest and start missing payments Because I haven't yet. They should like that I'm paying extra interest all the time.
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Feb 6, 2021 04:24
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You need to fix that. You're throwing money away. See a debt consolidator if you have to.
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Feb 6, 2021 04:24
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Can either of you just send me some money?
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Feb 6, 2021 04:25
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yeah I eat rear end posted:Because I haven't yet. They should like that I'm paying extra interest all the time. That still makes you a credit risk. You're overextended with what you've already got.
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Feb 6, 2021 04:26
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Solice Kirsk posted:You need to fix that. You're throwing money away. See a debt consolidator if you have to. I looked at the debt consolidation loan letters I am constantly getting in my mailbox but the monthly payment would be more than I pay now (and I pay over the minimum payment on each card every month). I'd need like a 50k loan at this point and the terms for those don't seem very generous.
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Feb 6, 2021 04:27
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yeah I eat rear end posted:I looked at the debt consolidation loan letters I am constantly getting in my mailbox but the monthly payment would be more than I pay now (and I pay over the minimum payment on each card every month). I'd need like a 50k loan at this point and the terms for those don't seem very generous. https://forums.somethingawful.com/showthread.php?threadid=3599364 https://forums.somethingawful.com/showthread.php?threadid=3256838 50k in Debt can sound insurmountable, but it's completely doable. The important thing right now is to get serious about tracking your expenditures and reducing your losses.
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Feb 6, 2021 04:39
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Gaius Marius posted:Please check out the Budget thread and Newbie thread in BFC They'll just make fun of me and I'll be forced to counter by accumulating more debt to prove them wrong that I couldn't possibly be more dumb.
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Feb 6, 2021 05:07
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Could always try to build up so much it rolls around to nothing. Like an odometer.
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Feb 6, 2021 05:17
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Solice Kirsk posted:A hard pull is when a lender or whoever formally applies to get your credit information to determine if they want to lend to you and too many of them can lower your actual score. They can decide not to lend to you for a bunch of reasons even if your actual score meets their criteria. People get declined for having too much outstanding credit or because they are overleveraged in certain things. Most people don't have to deal with that, but it's all part of what credit reporting does. A soft pull is what all those "free credit score" sites do and don't affect your credit score because it's not a request for an extension of credit. FTC.gov will have the most accurate information, but might be a few points off depending on when you run that vs when the lender runs it. Reputable free credit check apps will usually tell you close enough to determine where you stand, but may be off by 10-20pts depending on how they get their info. That could be a little or a lot depending on where you land. 780-800, doesn't matter. 680-700, might matter a lot depending on what you're doing. The US having a formalized score may be the thing that's throwing us foreigners off. Here you just apply to a thing, and then you get it or not. It's very obfuscated, unless you have no credit, like you failed to pay a bill after it got sent to collections. If that happens, that's it, you are severed and there is no credit anymore. Except payday loans and poo poo like that. Advertise that they don't care about credit. Predatory poo poo. doverhog has a new favorite as of 05:47 on Feb 6, 2021 |
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Feb 6, 2021 05:45
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doverhog posted:The US having a formalized score may be thing that's throwing us foreigners off. Here you just apply to a thing, and then you get it or not. It's very obfuscated, unless you have no credit, like you failed to pay a bill after it got sent to collections. If that happens, that's it, you are severed and there is no credit anymore. It's, like most things, far less different than anyone here posting thinks. But americans gotta be like "oh my god this is the dumbest country ever no one could ever be as dumb as one of us" and euros gotta be like "hêre in the göödes kyntrés vi do nâ has the crédits"
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Feb 6, 2021 05:49
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It still seems different though because in Finland you either have been successfully sued by a creditor, in which case you have lost your luottotiedot "credit information", or not. It's a very on/off type thing.
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Feb 6, 2021 06:08
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All debts should be forgiven after seven years, and adversarial collection actions should not be permitted prior to that. "But why would anyone loan anyone money then?" They should be forced to, obviously. ...basically banks should give me money for free.
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Feb 6, 2021 06:14
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docbeard posted:...basically banks should give me money for free. No. That is the job of the state and the government. The banks are not needed.
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Feb 6, 2021 06:20
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doverhog posted:No. That is the job of the state and the government. The banks are not needed. It's so weird thinking that anyone could trust their government. It's as alien to me as the concept of shoes would be to a fish.
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Feb 6, 2021 06:42
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You shouldn't trust anyone except maybe your immediate family, and your fists. With the government, they at least were elected. Instead of being a tool to make billionaires more money. *and if your next post is, the billionaires own the government, with regard to the US, I agree
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Feb 6, 2021 06:50
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Solice Kirsk posted:It's so weird thinking that anyone could trust their government. It's as alien to me as the concept of shoes would be to a fish. I don’t trust them, but if they give me 2000 bucks to improve the economy, I trust that they actually want me to spend my bucks on consumer goods. I don’t trust people in your field because you want my money for yourself. Also, Nakam still was right. Lol if you consider poisoning SS “terrorism” E: southern english accents aren’t cute or sexy, they’re awful. I’m listening to Magnus Archives right now and holy gently caress the accents are grating. Northern and Scottish forever if you must be british. Edgar Allen Ho has a new favorite as of 07:48 on Feb 6, 2021 |
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Feb 6, 2021 07:22
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Edgar Allen Ho posted:Disney World rules as an adult and I'd go a lot if I was rich. i go to tokyo disneyland like twice a year because my wife loves it. i have grown to like it
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Feb 6, 2021 10:23
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Björk is the best musical artist (with PJ Harvey coming in a close second).
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Feb 6, 2021 13:30
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Instagram progessive/leftist aesthetics are incredibly dogmatic and off-putting, and I think they maybe actively do harm to the movement. I'm saying this from the perspective of a lefty who wants an inclusive, progressive society. Something about those pastel backgrounded PowerPoint presentations people share on Instagram really bothers me and I needed to unpack why. It's like being forced into corporate sensitivity training. There's no joy or humour to them, just a list of commands and an ugly illustration of a blob person drinking a tea beside a houseplant. Its progressivism as something inert and languid not living and joyous. Hippy poo poo, not punk poo poo. It's not really a problem with the content at all, but the medium. No one likes being lectured to, and at worst they'll disengage or find acceptance is some pretty grim online spaces.
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Feb 6, 2021 13:38
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doverhog posted:I feel like real life has come become a maze of irony. This weekend I decided not to have sex due to the plague and because it's too cold (negative 17), even tho I wanted to. That's what irony means right? I "decided" not to have sex this weekend too. 
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Feb 6, 2021 13:39
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Disco Pope posted:Instagram progessive/leftist aesthetics are incredibly dogmatic and off-putting, and I think they maybe actively do harm to the movement. I'm saying this from the perspective of a lefty who wants an inclusive, progressive society. Are hippies all about powerpoint now?
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Feb 6, 2021 13:47
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Edgar Allen Ho posted:Are hippies all about powerpoint now? What do you think Papyrus font is for?
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Feb 6, 2021 13:54
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Tiggum posted:I "decided" not to have sex this weekend too. Welcome to the maze-.
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Feb 6, 2021 14:18
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Disco Pope posted:What do you think Papyrus font is for? 1996 garage band show flyers stapled to the high school bulletin board. Obviously.
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Feb 6, 2021 14:21
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doverhog posted:Björk is the best musical artist (with PJ Harvey coming in a close second). My dude, Bjork isn't even the best musical artist from Iceland https://www.youtube.com/watch?v=VFZNvj-HfBU
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Feb 6, 2021 14:42
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