I paid off a car 1/5th through the loan and got dinged on my credit.I'm so fucking mad I want to use all my time (and I have almost unlimited time) to fucking suck the life out of dealers, so that nobody who works there from the boss to the cleaning lady wants to live.75 points btw down from 790. Motherfuckers.So besides endless pointless test drives, how can I make them suffer?I am willing to buy a $25k car I don't care about and barely drive just to use it as another way to fuck with them.Ideas please.
I've tried going in as a totally boring, lifeless, depressed loser dressed in a brown suit with a cream shirt and horn rimmed glasses. They didn't like that.
>going to a dealership
>>29121179>I want to [...] suck the life out of dealersyou would
>>29121179>"my goyscore," he shrieked.
why do you actually care about your credit score? what major purchase are you planning to make soon where you need credit?
>>29121196No OP but where I live insurance companies have gone maximum overkike and both your car and homeowners inaurance premiums are based at least partially on your credit score.My credit score creating over 780 saved me more money than getting a new fucking roof.
>>29121209This, plus the balance of anything like a boat I might try to buy.Credit fucking locks people out of getting apartments and shit, 720s, you fucking kidding? I might as well apply for credit white in an SS uniform.
>>29121179>got dinged on my creditHow exactly did this happen?Are you making extra payments and they're penalising you? Or did you miss a payment? How do you know it's the dealership's fault in the first place?
>>29121239Credit scores are designed to keep you in the maximum amount of debt possible for as long as possible. Paying off a debt too fast is worse for your score than not paying it off at all.
>>29121239I just looked this up, and apparently paying off an auto loan early can cause a small and temporary drop in credit score just based on the fact you closed a line of credit you were paying on...
>>29121239Yes, there is a sliding scale for how evil you are for early pay off. It's only just the credit line drop off IF you make halfway through the loan otherwise it's a type of breach of contract in their eyes. I blame dealerships because they exist based on this and anyway I hate cars without real bumpers and I blame dealers too.
There is also a fee on top for paying early btw.Automotive Finance Corp. v. Ridge Chrysler Plymouth (2002)https://law.justia.com/cases/federal/district-courts/FSupp2/219/945/2448074/
Manchester City Nissan in Connecticutcharged a fee to certify used cars they already advertised as certified2018, the FTC proved that Tate's Auto Center and related dealerships used deceptive advertising and frequently falsified customers' financial information.Bronx Honda tried to ignore black people buying cars 2020, not like 1931.Promising to pay off loans: https://search.ftc.gov/news-events/news/press-releases/2012/03/ftc-takes-action-stop-deceptive-car-dealership-adsThis is a whole ass index of scumbag car lots.https://www.ftc.gov/industry/automobiles
When car dealers heard about Bernie Madoff...
>>29121179You're looking at your goyscore wrong. it's not about credit worthiness, it's about how profitable you are to lenders. Yes, paying off a loan early, or paying off a credit card lowers your score, because they are not able to extract as much wealth from you, goyim. Their ideal victim would be someone with a >high income>high spending>continually pays down, but never pays off debtsand this is why usury/lending is inherently immoral. The ideal situation for the borrower is:>i need money to do something, debt is a tool that can be used to further my agenda. I'm paying for the time value of money.Whereas the ideal situation for the lender is>i want you to be perpetually in debt, but never miss a payment. I will concoct all manner of traps and advertising to make this a realityIt's that mismatch in benefit and utility that has created the abomination that we call the modern economy. advertising, consumerism, debt.. it's all cancer.
>>29121179That's not the dealer. That's how credit lines work.You didn't have enough lines of credit so closing one out dinged you.I still can't believe fags get caught out by this shit.
