• smotherlove@sh.itjust.works
    link
    fedilink
    English
    arrow-up
    55
    arrow-down
    14
    ·
    9 months ago

    “…we base our entire lives on”

    The vast majority of people barely think about their credit score

    • ericbomb@lemmy.world
      link
      fedilink
      English
      arrow-up
      48
      arrow-down
      4
      ·
      9 months ago

      I mean where you are allowed to live is impacted by credit score a lot.

      As long as you’re in the middle you’re okayish. But how you live is impacted by it in the US.

    • SkyNTP@lemmy.ml
      link
      fedilink
      English
      arrow-up
      23
      arrow-down
      7
      ·
      9 months ago

      Well yes, but also no. Buying a house or getting a mobile phone (a car too, but less so) are pretty essential parts of functioning in society.

      • BlanketsWithSmallpox@lemmy.world
        link
        fedilink
        English
        arrow-up
        20
        arrow-down
        3
        ·
        9 months ago

        Who the fuck needs credit to get a mobile phone? lmfao

        That Android better be gold plated, able to use every network possible in the world with satellite without roaming, and shit out by Taylor Swift herself.

        • Brekky@lemmy.world
          link
          fedilink
          English
          arrow-up
          8
          ·
          9 months ago

          As a brit who moved to America with a company sponsored visa and half decent full time job I could only get a 250 dollar credit card and a pay as you go phone.

          • PatMustard@feddit.uk
            link
            fedilink
            English
            arrow-up
            0
            arrow-down
            1
            ·
            9 months ago

            If you’ve got a half decent job why do you need a credit card at all? And what’s wrong with PAYG? Phone contracts are for chumps!

      • TheFriar@lemm.ee
        link
        fedilink
        English
        arrow-up
        10
        arrow-down
        1
        ·
        9 months ago

        It’s even being involved in job interviews and renting a house. I’m sure a bunch of others as well.

        • Corngood@lemmy.ml
          link
          fedilink
          English
          arrow-up
          5
          ·
          9 months ago

          Sorry, we can’t just hire someone who’s in debt. Maybe come back in a few weeks when you’re in better shape financially.

      • soggy_kitty@sopuli.xyz
        link
        fedilink
        English
        arrow-up
        4
        arrow-down
        2
        ·
        9 months ago

        My wife and I both have shit credit score, we still got a mortgage at a preferable rate based on our income and job stability alone.

        Sorry to say, credit score is a meme

      • voxel@sopuli.xyz
        link
        fedilink
        English
        arrow-up
        2
        ·
        edit-2
        9 months ago

        why do you need to take out a loan for a phone?
        just go and buy one outright if you need it?

    • soggy_kitty@sopuli.xyz
      link
      fedilink
      English
      arrow-up
      2
      ·
      9 months ago

      Yeah you only care about credit score when you’re young. I dont base shit off my credit score