this post was submitted on 29 May 2025
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Rant

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credit bureaus are fucking nonsense (self.rant)
submitted 3 weeks ago by aquafunk to c/rant
7 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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[–] wesker 3 points 3 weeks ago

I just find it annoying that when you pay off a loan, such as a vehicle, your credit score often gets heavily dinged FOR BEING DILIGENT AND PAYING OFF DEBT.

Clearly designed to encourage debt.