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Anon on credit scores (sh.itjust.works)

submitted 1 year ago by [email protected] to c/[email protected]

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[–] [email protected] 10 points 1 year ago (1 children)

which should be the only allowable metric.

Why? Income is a terrible metric. Regardless of how much money I've made, I've always spent within my means. I've never carried debt, but always has my cc to build the credit score.

The idea that some bozo who spends more than he earns has a better credit score than me just because he makes more money makes absolutely zero sense to me.

[–] [email protected] -4 points 1 year ago (1 children)

Income is a terrible metric.

I suggest you lie on a few credit applications (not really). You'll be amazed at how readily you get approved just because your income crosses a certain threshold, even with the same score.

Several years ago I was looking to add a couple of cards, primarily for emergency reasons. I apply for a card and get rejected. Six months later I get a new job that's promising me a significantly higher income but I haven't started receiving more money yet (contract work is fun). I apply for the same card, same information, knowing my credit score had not changed, the only difference in my applications was my income (that required no verification) and that time I got approved.

So apparently the banks have a different thought process than you.

And what the fuck is wrong with you that you even think about someone else's credit score? Are you also mad that your neighbor is gay?

Don't answer that...

[–] [email protected] 3 points 1 year ago* (last edited 1 year ago)

I never said it wasn't a factor, only a terrible one that shouldnt be the only one. Also try improving your credit score and see the better rates and cards with better benefits open up to you.

And what the fuck is wrong with you that you even think about someone else’s credit score?

Considering you think I spend time thinking about people's credit score because I think it's better metric for getting credit, this question is all but a straight up admission that you spend a lot of mental energy thinking about the income of other people.

Are you mad that your neighbor is straight too?