Credit is a scam c:

look it's easy you just need your parents to have made a credit card for you when you were like 13 to 'start building history'. didn't do that? whoops sounds like you're a credit risk

I have a couple of accounts due for payments of ~$200 each and because I'm in a stable financial situation i decided to see what would happen to my credit score if i just didn't pay them. The answer is now i get debt collector phone calls every once in a while that i ignore easily because 90% of calls i get are robots and scams anyways and my credit score was completely fucking unaffected.

But I'm sure if i was actually someone who relied on having a good credit score for necessary things, my shit would be fucked. 👍 Cool system. Good

Paid off a student loan last year and my credit score dropped 70 points the day after.

you're too good at managing your debts! -20 points

I like the commercials for the credit-reporting agency apps. "Just by opening it, they raised my score by twenty points." So...it's an arbitrary number that they can manipulate at will, and they now feel comfortable announcing that to the world?

It’s a cruel, messed-up, nonsensical system.

it's okay, it's not like you need a decent credit score to find a place to live or anything! just a bunch of funny numbers for people playing the funny money game :)

(for legal reasons this is Entirely Sarcasm)

oh, you see, you don't get good credit by keeping up with your credit card bills perfectly, you get good credit by keeping up with them almost perfectly! You pay more than minimum, but less than full, and then pay off the rest with the interest! Your credit score is a measure of how good you are at making money for credit card companies.

It's a means by which you buy permission to participate in the economy.

Fuck this, man.