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redshirt posted:So what's the end game with the enshitification of all the streaming services? They start to merge? Is that already happening with Prime? I see how they can act like a portal to other subscription services. There's no plan other than to do whatever it takes to juice up those quarterlies and get that bonus. "End game" lmao
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Jan 9, 2024 17:32
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bagmonkey posted:Lol, even worse for me, I worked for a mortgage lender and did my loan through them and they still sold it off to Mr Cooper while I was working there!!! I can personally confirm the mortgage industry is mostly a bunch of people who failed in other areas duct taped together Loan officers are the weirdest thing to me. They're sales people, who get paid specific commission on closing a loan, but they're supposed to make sure that the customer can afford the loan. So if they did their job correctly, they would lose money. 
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Jan 9, 2024 17:33
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The loan underwriters I guess verify that you can actually pay it Though their motivations are also corrupted
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Jan 9, 2024 17:38
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Vampire Panties posted:Loan officers are the weirdest thing to me. They're sales people, who get paid specific commission on closing a loan, but they're supposed to make sure that the customer can afford the loan. So if they did their job correctly, they would lose money. do you seriously not know about interest
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Jan 9, 2024 17:38
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Vampire Panties posted:Loan officers are the weirdest thing to me. They're sales people, who get paid specific commission on closing a loan, but they're supposed to make sure that the customer can afford the loan. So if they did their job correctly, they would lose money.
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Jan 9, 2024 17:56
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cat botherer posted:And now you know why the 2008 crash happened I can remember an interview from a loan officer in 2009 like, "Yeah we all knew they were scam-rear end loans but if we didn't sell them people would go down the street and buy them from our competitors. Whatcanyado?"
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Jan 9, 2024 18:02
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bagmonkey posted:Lol, even worse for me, I worked for a mortgage lender and did my loan through them and they still sold it off to Mr Cooper while I was working there!!! I can personally confirm the mortgage industry is mostly a bunch of people who failed in other areas duct taped together haha. My parent's business was the original lender. Talked to my step dad last weekend and he says "oh Mr Cooper bought your loan? they got all your data now, it's bad. just freeze your credit and dont think about it"
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Jan 9, 2024 18:12
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Capitalism really makes you feel alive! Like a jelly fish swimming in the dark, knowing turtles, sharks, and lots of fish are out there...somewhere...and they know your social security number. So alive! For now.
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Jan 9, 2024 18:17
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make sure you freeze your credit with all 3 credit companies too. a buddy of mine had their poo poo taken from mr cooper and they froze it through I think equifax, and got a letter from CapitalOne saying they needed a copy of their ID to finish out their new credit card. CapitalOne said to freeze with all three, so they got on the phone and transunion said oh yeah we have a fraud alert on your account for the next 2 years, but it wasnt frozen what can you do. gotta love it.
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Jan 9, 2024 18:18
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Lobsterboy posted:make sure you freeze your credit with all 3 credit companies too. a buddy of mine had their poo poo taken from mr cooper and they froze it through I think equifax, and got a letter from CapitalOne saying they needed a copy of their ID to finish out their new credit card. CapitalOne said to freeze with all three, so they got on the phone and transunion said oh yeah we have a fraud alert on your account for the next 2 years, but it wasnt frozen what can you do. Currently all three of those Also, if I'm understanding the process correctly (because I now have no choice but to become an expert on this overnight) that fraud alert is the reason they contacted your buddy and asked for ID. Otherwise they would have just issued the credit card to whomever was asking for it. wash bucket fucked around with this message at 18:58 on Jan 9, 2024 |
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Jan 9, 2024 18:19
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Lobsterboy posted:make sure you freeze your credit with all 3 credit companies too. a buddy of mine had their poo poo taken from mr cooper and they froze it through I think equifax, and got a letter from CapitalOne saying they needed a copy of their ID to finish out their new credit card. CapitalOne said to freeze with all three, so they got on the phone and transunion said oh yeah we have a fraud alert on your account for the next 2 years, but it wasnt frozen what can you do. Can you translate this into european
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Jan 9, 2024 18:24
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Biplane posted:Can you translate this into european united states banks set up three competing non-government, for-profit corporations who assess every single human in the united states' credit-worthiness. They do this for everyone, without our permission, starting from birth. The only way we can keep people from borrowing money in our name is to kindly ask these three separate corporations to please stop giving our "credit scores" to lenders when they ask the corporations about our credit-worthiness.
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Jan 9, 2024 18:29
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shazbot posted:haha. My parent's business was the original lender. Talked to my step dad last weekend and he says "oh Mr Cooper bought your loan? they got all your data now, it's bad. just freeze your credit and dont think about it" yeah I'm doing some last minute check ups on a few things to make sure I won't need to use my credit before I lock it
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Jan 9, 2024 18:29
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Also your credit score can just randomly change even if nothing fraudulent is happening and nothing is different about your amount of debt or living situation.
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Jan 9, 2024 18:33
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If we cannot successfully get them to stop giving "credit scores" to lenders, we are responsible for any loans taken out in our name because we shouldn't have neglected to navigate the baffling process of "turning off" our credit scores at three different companies, and we should have known that our information was stolen or purchased from any of the hundreds of companies and agencies that we have to give it to in order to work, buy, sell, or live in our society.
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Jan 9, 2024 18:37
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Salt Fish posted:State farm stopped sending me insurance cards, now they send a physical letter saying to log into your app and optionally print the insurance card. I guess this is to save paper except lol, they MAILED ME A NOTICE SAYING TO PRINT IT!!! yeah my insurance company stopped with cards ages ago, so the few times I've needed my insurance info to give to a cop, it's been a bit of an anxious moment logging into my insurance website on my phone. Sure I have is downloaded as a pdf, but it expires every 6 loving months. The last time it happened was a fender bender, and the woman I'd bumped stood outside my car anxiously staring at me the entire time I was pulling the info up and people were gathering around asking her if she needed any help with the situation All because I couldn't immediately hand her my insurance info, and bc I was just sitting in my car bc it was cold, jfc. Once they saw I was giving her my info, everyone left, but people seriously thought I was just trying to bail and it kinda hosed me up bc like...whoah guys I don't need to be menaced about a fender bender.
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Jan 9, 2024 18:39
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Anyway I forsee this happening a lot more, and people getting into fights over it, with how weird the vibe got for just a fender bender, people are gonna get hella weird about this poo poo
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Jan 9, 2024 18:42
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When I get an email from Geico about new insurance cards I go to the web site and click a button for them to mail to me. I assume that the police want to touch my filthy phone about as much as I want them to rummage through my nudes. withak fucked around with this message at 18:50 on Jan 9, 2024 |
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Jan 9, 2024 18:47
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Edit: quote isn't edit
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Jan 9, 2024 18:57
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Dip Viscous posted:Also your credit score can just randomly change even if nothing fraudulent is happening and nothing is different about your amount of debt or living situation. And you can’t plan for or predict what a given action will do And these self appointed arbiters of our honor and social credit just let our data fly out the door and nobody can or will hold them accountable
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Jan 9, 2024 19:08
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withak posted:When I get an email from Geico about new insurance cards I go to the web site and click a button for them to mail to me. Sounds nice! We don't get those emails. Our insurance agent had a legit office, which is why we went with him, but he retired last year and they transferred us to a new guy, and didn't say poo poo. We only found out by checking the website for our updated cards... Probably switching insurance soon, basically
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Jan 9, 2024 19:14
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Greg12 posted:united states banks set up three competing non-government, for-profit corporations who assess every single human in the united states' credit-worthiness. They do this for everyone, without our permission, starting from birth. Seems like a bad system
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Jan 9, 2024 19:20
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wash bucket posted:Currently all three of those oh yeah the ID request was only because of the fraud alert, but I'm just fascinated that there was a fraud alert and instead of the credit bureau stopping the application process, they just gave out the information anyways and said 'by the way this might be fraud!' CapitalOne at least tried to check, which is nice of them.
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Jan 9, 2024 19:42
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Biplane posted:Seems like a bad system On the contrary, it's very profitable. Any time a financial institution's data gets stolen they have to do this huge remediation which usually includes buying all their customers multiple years of identity theft protection... from one of those three companies.
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Jan 9, 2024 19:57
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Biplane posted:Can you translate this into european Every article panicking about China's "social credit" system is not hyperbolic, they just got the country wrong.
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Jan 9, 2024 20:59
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Rochallor posted:Every article panicking about China's "social credit" system is not hyperbolic, they just got the country wrong. social credit w capitalist characteristics I had to do the 3-freeze because people kept opening up bank accounts, store credit cards, etc in my name (once your SSN is out it's out bitch, good luck catching all the fraudulent activity) and in the process I accidentally signed up with like some sorta bullshit account with one of them which led to spam-filter-proof messages every single loving day asking if I wanted to take out a loan In retrospect I should have done it way earlier instead of just letting them put a 2-year alert on everything after which the fraudulent activity immediately resumed lol. Lucky nothing really happened gently caress!
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Jan 9, 2024 22:10
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Monkey Fracas posted:(once your SSN is out it's out bitch, good luck catching all the fraudulent activity) The extra kick in the teeth in my case is my info got leaked by a company I haven't had any business with for years. But they still kept all my poo poo on file indefinitely. Presumably the same is true for every other financial institution I've been forced to do business with.
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Jan 9, 2024 22:21
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lol just got a notice from Mr Cooper on a mortgage I closed over three years ago through refinancing that my data was compromised. Their compensation was a year of credit monitoring for a SINGLE bureau 
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Jan 9, 2024 22:41
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Y'all have identities worth being stolen?  Usually it's me who has to be doing the stealing
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Jan 9, 2024 22:44
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Is it easy getting credit cards and loans in the US when your credit is bad? Asking for a friend
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Jan 9, 2024 23:04
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Just scheduled a 2nd interview for a job... 3 months after I applied, and one and a half months after the first interview This job market gets shittier every day 
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Jan 9, 2024 23:05
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Biplane posted:Is it easy getting credit cards and loans in the US when your credit is bad? Asking for a friend There is a huge sub prime consumer credit crisis right now so yes it’s very easy
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Jan 9, 2024 23:08
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Biplane posted:Is it easy getting credit cards and loans in the US when your credit is bad? Asking for a friend Yeah just buy the social security number of someone with good credit. There's lots of them out on the market lately.
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Jan 9, 2024 23:08
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It's often easier to get loans and credit cards with a worse (but not completely shot) credit score, because a good credit score means you pay off your debt on time and they don't get to charge you interest The term that credit card companies use for someone who always pays off their card on time before being charged interest is literally "Deadbeat" deep dish peat moss fucked around with this message at 23:11 on Jan 9, 2024 |
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Jan 9, 2024 23:09
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drat that's crazy. Do I order ssn's online or is there like a guy I have to talk to somewhere. I mean my friend has to talk to
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Jan 9, 2024 23:13
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Biplane posted:drat that's crazy. Do I order ssn's online or is there like a guy I have to talk to somewhere. I mean my friend has to talk to Well first you need to install Tor...
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Jan 9, 2024 23:14
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deep dish peat moss posted:Just scheduled a 2nd interview for a job... 3 months after I applied, and one and a half months after the first interview  I got a call back today after being ghosted from an interview the recruiter insisted I had to take on December 31st. The recruiter called and said that they wanted to do the technical interview today, and that if I asked to reschedule they would interview other candidates. I passed - who in the everloving gently caress is calling someone Tuesday morning to interview Tuesday afternoon for a position migrating a six thousand seat call center?  Recruiters are the shittiest thing imaginable, adding an extra human step to every hire-transaction is why nobody can get a loving job 
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Jan 9, 2024 23:15
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lmao, that reminds me of this email I got at 3:23PM on November 22nd that I saved for posterity because lol Those were the only available times on the only available date
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Jan 9, 2024 23:18
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Biplane posted:What was the joke Diogenes was an Athenian aristocrat and philosopher who gave away his property, went barefoot, and lived in a wine barrel because he hated the slavery and hypocrisy of his class and, unlike most people, actually did something about it. He would then go around haranguing other Athenian aristocrats about how evil and disgusting their lifestyles were and nobody could call him a hypocrite because he really was that hardcore. Woolie Wool fucked around with this message at 23:31 on Jan 9, 2024 |
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Jan 9, 2024 23:26
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Woolie Wool posted:Diogenes was an Athenian aristocrat and philosopher who gave away his property, went barefoot, and lived in a wine barrel because he hated the slavery and hypocrisy of his class and, unlike most people, actually did something about it. He would then go around haranguing other Athenian aristocrats about how evil and disgusting their lifestyles were and nobody could call him a hypocrite because he really was that hardcore. Stuff rules, what a moron.
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Jan 9, 2024 23:50
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