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Joined 1 year ago
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Cake day: June 12th, 2023

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  • The article you provided and states right there that those who do not have generational wealth don’t benefit from credit scores because several of the considered factors are things they don’t have.

    I don’t know if I buy that they were created to reduce discrimination, but even if they were, it’s an incredibly flawed system.

    If a person pays off a loan that is a good thing. That shouldn’t make tour credit score lower.

    I paid off a loan and a card and consolidated my debt to a lower interest rate loan and my score dropped 20 points even though I had overall less debt and at a lower interest rate. All because the average age of my credit dropped.






  • But also Facebook has never killed 3rd party apps because (to my knowledge) there hasn’t ever been any, and they don’t rate limit their users. They also at least pretended to care about the right wing propoganda plaguing their platform, unlike Elon did. They also also haven’t locked being a recommended person on someomes feed behind a pay wall.

    Facebook does shady shit, but the difference is it’s shit that most of their users don’t notice.