this post was submitted on 29 May 2025
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credit bureaus are fucking nonsense (self.rant)
submitted 4 weeks ago by aquafunk to c/rant
5 comments fedilink hide all child comments
 

equifax/transunion: we're going to hold all your personal information in a database to "determine your credit worthiness." don't worry, it's totally secure- WHOOPS, we got hacked! guess everyone has your personal information and phone number now

me: *uses a separate phone number for various purposes to manage spam and potential identify theft from data breaches

equifax/transunion: oh, look! we don't care why, but there are "too many different phone numbers" being reported for you. we're lowering your credit score

me: sigh 🤷

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[–] undefined@lemmy.hogru.ch 11 points 4 weeks ago (1 children)

Somewhat related: I just gave up on keeping a clean credit score. I realized now at 35 that I’m never going to own a house in my crazy expensive city, and I’m never going to buy a brand new car so what’s the use of having a great score?

I still pay off all my debt but I don’t give a fuck if I miss a payment when the greedy fucks are charging high interest anyway.

[–] aquafunk 5 points 4 weeks ago

I just gave up

at some point, I realized I don't ever want to be their idea of a perfect person to loan money to (read: perfect person to drown in debt and make as much money as possible from), and I wear that "unworthiness" as a badge of honor