Even with a decent credit score I still can't afford a house.
If I wanted to buy the average house in my area right now, my mortgage would be over $4,000/mo even with great credit and a 10% down payment. Minimum wage here is still $7.25/hr lol
MiNiMuM wAgE mInImUm LiFeStYlE!
Too bad it's also "average wage, minimum lifestyle..."
As a single dude I have the credit score and the "median wage," but that only puts me in "just able to afford life and have a savings, renting someone's garage."
the US credit score thing is wack. I critique it as someone with phenomenal credit who monitors it / checks it frequently for signs of fuckery.
house and car loans are the big ones people think about, and certainly they are the onvious, big ticket items people finance (and therefore pay more than the sticker price), but I had a job once, a part time job with no benefits, where they would not even hire temps with poor credit.
and once I read a thread on Reddit, where someone asked something like "what do you wish you knew before you got married?" and a high ranked, very agreed upon answer was "my spouse's credit score" with several horror stories.
the way burger brains harp on social credit in China is absolutely projection at how helpless they are and subject to the viciousness of ours.
I got a letter from my car/home insurance provider that my credit score will now be a factor in how much my insurance premium is. WTF
Are you sure your insurance agent isn’t Chinese?
Reddit libs when talking about
"Every accusation is a confession"
Reddit libs when talking about the State department:
China is literally 1989 by Taylor Swift
I’ll be finishing up paying off some loans by the end of June which means my credit score will drop
