The credit score system sucks
The credit score system seems to be some ass backwards approach that compels people into doing business with a con artist and gives them points for not getting tricked so badly as to make the con artists look bad or be held accountable.
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4 comments
Feel free to reply to any comment by clicking the "Reply" button.Damn, what happened? Looks like you have serious problems with a loan. I have the feeling that you took a loan from someone who wants to fool the entire world. If so, then I feel sorry for you.
But to be honest, the credit companies and banks can't give a loan to everybody because it's a significant risk for them. They don't know if the person will give it back, and they have to make sure somehow if it's worth it.
My advice is to take a loan from good, trusted companies/banks. Try to search them through different websites, like kertaluotto.com. Maybe this will help you to find something that it's best for you.
sampeshirl
Level 4
Aug 23, 2021
0
Well I appreciate the sentiment of support. However I want to point out that a lot of these responses seem dangerously dismissive of factors like systemic discrimination, and outright predatory lending that in many ways are baked into the way the credit score system is currently run.
For those who are in underserved communities and find themselves to be in the working poor... Like a growing portion of the so-called middle class... The lack of transparency in the current credit course system makes it hard to iterate it constructively in the interest of the common good.
IMO, the biggest use of a credit card is for spending money you DON"T (already) have (I have never done this).
YOU have complete control of your spending -- don't live beyond your means.
I suggest begin taking responsibility for your own choices, stop trying to shift blame on others. 
FearlessFly
Level 9
Aug 21, 2021
0
Your assumptions are unhinged.
Umm, what? Pay your bills on time, have a Great credit score regardless of income. I do! (812 +/-)
AnneWimsey
Level 9
Aug 21, 2021
1
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