399
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
this post was submitted on 28 Oct 2023
399 points (95.7% liked)
No Stupid Questions
36055 readers
455 users here now
No such thing. Ask away!
!nostupidquestions is a community dedicated to being helpful and answering each others' questions on various topics.
The rules for posting and commenting, besides the rules defined here for lemmy.world, are as follows:
Rules (interactive)
Rule 1- All posts must be legitimate questions. All post titles must include a question.
All posts must be legitimate questions, and all post titles must include a question. Questions that are joke or trolling questions, memes, song lyrics as title, etc. are not allowed here. See Rule 6 for all exceptions.
Rule 2- Your question subject cannot be illegal or NSFW material.
Your question subject cannot be illegal or NSFW material. You will be warned first, banned second.
Rule 3- Do not seek mental, medical and professional help here.
Do not seek mental, medical and professional help here. Breaking this rule will not get you or your post removed, but it will put you at risk, and possibly in danger.
Rule 4- No self promotion or upvote-farming of any kind.
That's it.
Rule 5- No baiting or sealioning or promoting an agenda.
Questions which, instead of being of an innocuous nature, are specifically intended (based on reports and in the opinion of our crack moderation team) to bait users into ideological wars on charged political topics will be removed and the authors warned - or banned - depending on severity.
Rule 6- Regarding META posts and joke questions.
Provided it is about the community itself, you may post non-question posts using the [META] tag on your post title.
On fridays, you are allowed to post meme and troll questions, on the condition that it's in text format only, and conforms with our other rules. These posts MUST include the [NSQ Friday] tag in their title.
If you post a serious question on friday and are looking only for legitimate answers, then please include the [Serious] tag on your post. Irrelevant replies will then be removed by moderators.
Rule 7- You can't intentionally annoy, mock, or harass other members.
If you intentionally annoy, mock, harass, or discriminate against any individual member, you will be removed.
Likewise, if you are a member, sympathiser or a resemblant of a movement that is known to largely hate, mock, discriminate against, and/or want to take lives of a group of people, and you were provably vocal about your hate, then you will be banned on sight.
Rule 8- All comments should try to stay relevant to their parent content.
Rule 9- Reposts from other platforms are not allowed.
Let everyone have their own content.
Rule 10- Majority of bots aren't allowed to participate here.
Credits
Our breathtaking icon was bestowed upon us by @Cevilia!
The greatest banner of all time: by @TheOneWithTheHair!
founded 2 years ago
MODERATORS
At least in my experience, we’ll generally be able to go to the hospital
Generally, I’ve just seen the debt transferred to a debt collection agency afterwards, since there’s no money for them to take. They’ll harass you, and it affects your credit score, but they can’t send you to jail
Credit score? Is it like the Chinese social credit system?
Yeah, just the American version
It affects where you can rent housing, what houses you can buy, whether you can get a car, etc
Love how everyone went insane with the social credit score while you got the same shit done to you and no one batted an eye
US credit score won't get you sent to jail or a re-education camp, at least. At least, not yet.
It will condem you to poverty tho, which may be even worse than jail
It can impact everything in your life, even jobs and housing now. It's practically the same thing except instead of being forced to live in a camp you're living on the street.
And if you dare get together with other people that are forced onto the street and make a camp together somewhere isolated, the government tears it down and evicts you and destroys your things. Thank god for our freedom.
My favorite part is when one of the three companies that does ours leaked all of our data with relatively no consequences.
https://www.ftc.gov/enforcement/refunds/equifax-data-breach-settlement
Well if it’s the free market abusing us it’s okay. That’s just freedom.
I mean it's not like your credit score immediately gets affected for something like jaywalking though.
I'm not sure that's entirely the bar we should be aiming for
It can even impact being hired for jobs. Low credit score? You might be untrustworthy or motivated to steal
It's not comparable at all. In the US your credit score only goes down if you borrow money and don't pay it back. If you get a loan and pay it back on time your credit score will be fine.
I'm not super familiar with the Chinese credit system, but I think it's effected by a lot more. What kind of products you buy, how much you work, posting certain content online, etc.
Yes these systems are not in any way whatsoever comparable to each other except in being reputation rating systems.
“What? A bank wants to know if you defaulted on the last loan you took? What is this?? Totalitarian China???”
Not only American. We in Germany have shit like that and most other European nations have it as well afaik
It exists in most places from what I can tell, but the specific implementation may differ
The technology of loan risk assessment? Yes, it exists worldwide, all banks are doing it. But there is a wide chasm between
"when I show up asking for a loan bank will xray all my previous financial history and craft its offer from that" in Europe (at least my country) and
"credit score is a houshold term, people employ lifehacks to improve it and you're screwed if it's bad because half of everything runs on credit".
There's also the fact that credit rating agencies in North America have hardly any supervision and are prone to make mistakes because they take correlated data by face value.
I think my credit report still says I work at "DOMINOES" after like 5 years of not being there. It doesn't effect anything, but I get mild amusement out of it being misspelled on top of that.
I don't have a credit score, and have never had a problem renting. It's getting a mortgage that I can't do without a partner who's been consistently paying off a credit card for decades.
My credit score wasn’t good enough, so I had to show the last place I rented 6 months of my employers payments to rent
I’ve never missed a payment, nor do I have any debt. I just don’t exist in the system enough to rent