I thought only China did that
it's the goy score, the higher it is the less of a goyim you are
and theres no such thing as good goys only bad goyims
>>540535255China doesn't even have a social credit score in the way that mutts think that they do. Theirs works basically the same as America's does, but it also includes unpaid taxes, fines, restitution, alimony, etc, instead of just loans and credit cards. There also isn't any punishment for having a low score other than being unable to take out a new loan.
>>540535363Nah, you're a goy regardless, the difference is bad goy or good goy.
>>540535255False equivalency here. Social credit score includes things like online activity or video gaming. And can take your rights away if deemed a bad communist. Credit Score is just your record of paying back debt. If it’s bad it affects your ability to borrow money but often times you still can just at worse rates. (For example niggers buying cars) Chinese shills sure are in overdrive these days.
>>540535255My bank account is overdrawn, and I am behind on my bills. I checked my email today and there was a message from credit karma telling me my credit score has gone up and to keep up the good work -__-
>>540535255it's the consolation prize for destroying the buying power of the dollar, you can have the same things that the dollar used to get you if you rack up enough Good Goy Points with private lenders.
>>540537238Go fuck yourself sideways into the nearest pile of pillows, boomer.
Anyone who is against Credit Scores in America deserves to pay for all the niggers who get loans and can't pay them back.Too stupid to comprehend its actually a good thing for the average American joe.
>>540538335This"George wants to borrow $10 from me. Does he keep his word?">"Why yes, he borrowed from me last year and paid back every cent."or>"No, that damn George borrowed my hammer and said he lost it, but my boy saw him using it just the other day. He's a snake."or>"I like George but he's already in arrears with two of my neighbors. Seems he's having hard times. I hear he pays it all back eventually but if they take his farm no one will get anything."or>"Never heard of no George. Is he new around here? Who knows if he ran out of some other town after going back on his word there."That's all a credit score is. Just asking if someone's name is mud or not, only based on statistics and quantified instead of anecdotal.
>>540535255It's literally Good Goy Points
>>540536578Show your flag, Zhang.
>>540539098Plus if people don't pay back the banks, and the banks go under, all the people who didn't borrow money loses theirs because someone elses irresponsibility. Leftists hate credit scores, but still say billionaires are responsible for people losing their money, yet can't comprehend the irony of believing in both of these two ideas.
>>540539151no, the lower the goy score is, means you're the best bad goy... like if any of them got a 1 for score, they'd be the best of the bad goys. basically impossible since jews want it rigged where none of them are ever the best
I have Wumao Fatigue.
>>540535363>the higher it is the less of a goyim you aregot the wrong, the higher your goyscore the more of a complacent cattle you are, they know you're a predictable cuck unlike a carefree "bankers fear him" picrelated
>>540539098except George will pay off his modest $250 credit limit and then the card company will give him $1,000, and then $3,000, and 5 new card offers will show up in his mailbox every other day. your credit limit should depend on your income, not your payoff habits.
>>540537238>Chinese shills sure are in overdrive these days.The truth is even sadder, the average /pol/tard is a poorfag that lives in mommies basement and is too stupid to grasp how credit works, naturally having bad money skills they have to blame da joos for all their failures.
>>540535255You might as well ask why are we circumcised.
>>540537238Shut the fuck up, boomer.
>>540539768Why? That's nanny shit. All you have to do is not borrow more than you can repay. That is based on your discipline and responsibility, not your income.
If you don't take out loans you don't have to give a shit about credit scores.Just saying.
>>540540689Great, so instead of taking out a mortgage and buying a house and paying it off over 30 years while you live in your house, you can save up the same amount over 30 years while ALSO paying rent and THEN you can buy a house with cash and move in. Easy!
>>540538227Jesus H. Christ, Zhang. Why did that set you off so bad? Take a chill pill, you tiny yellow dicked vermin.
>>540535363Lmao, it's the opposite. It goes down if you don't carry any debt.
>>540535255it's not SOCIAL credit, retard
>>540535255Its so financial institutions can tell if youre a nigger or not. Im working class and have a score of 790 no problem. Its never been a problem to get a new car or house because Im not a poopskin and pay my bills. Its lame either way though, I do understand the criticism.
>>540535255>credit scorethe jewish bankers goymeter
>>540542821>i'm not a poopskinno you're a jew getting paid to be here, thats why you can't say nigger
>>540542821You're a good goy
So if I get a traffic ticket my score goes down?
>>540535255>im a chinkbot and im being retarded on purposeBye Chang
>>540537238Correct>>540540188>>540538227>angry bug noisesWew. That’s hilarious
>>540539933>t. jewbot > da joos Yep, your a product of slimy fucking jew vermin
>>540543115Yes.
>>540535363>>540539740A low credit score is only based if you actually screwed over the system like taking out a 10k loan and putting it in some investment without paying it back.
>>540535255It is risky to give money to people without collateral or proof they are trustworthy to pay back the loan. A credit score is an indicator you are trustworthy, allowing you to get low interest rate credit with little to no collateral or a down payment. If you have the collateral you can have a piss poor or even non existent credit score and still take out a loan, it's just most people aren't walking around with high value assets.
>>540542389I never had any debt (except credit card), and it never went below 700. I am stuck at 710 to 750 though.
>>540539768>your credit limit should depend on your income, not your payoff habitsIt does. Your bank doesn't just raise the limit automatically. That $3000 is the actual starting limit, they just put the training wheels cap of $250 on initially to make sure they don't lose $3000 off the rip. After a couple years your credit limit will stop going up unless you request it.
>>540544131>your a productNice ESL nigger. It's you're.
>>540542389It goes down if you don't carry any debt channels. If you have a credit card but never use it or pay it in full each month, it goes up. If you have no open accounts and no recent proof you're responsible with credit then it goes down. The easiest way to get a good score is have your father add you as an authorized user to a credit card in his name he never uses when you're a kid and then 25 years later you'll have excellent credit unless you made some really big mistakes.
>>540539768>and 5 new card offers will show up in his mailbox every other day.Is this supposed to be a privilege? I thought they were just annoying ads.
>>540546057My score went down after I paid off my student loan way back in the day. I guess that was caused by the debt channel closing, but that's a retarded system that punishes people for having a proven track record of paying off debt. You're not as good of a goy if you actually pay back your debts, you're supposed to never pay it back so lenders can juice you for interest payments forever
