I paid off my last car in 2021. I have no plans for another car payment. 10 years over 2 cars was long enough. I’m nearly 40, married with kids, neither of us have any debt, and we pay our bills on time. And yet my fucking RENTAL still required me to have a fucking COSIGNER. That’s an absolute embarrassment.
Holding no non-revolving debts can actually hurt you.
IDK about you, but I’m sick of this game. This is bullshit, the system is clearly stacked against “the poors”. There is no light at the end of the tunnel. My only source for any sort of actual savings is bonuses and bi-annual “3 paycheck” months.
I’m lucky enough to be able to put 3% of my gross pay into a 401k.
I mean fair enough on the sentiment. I’m not particularly rich. But I do well off for myself and we live comfortably within our means.
But if you don’t “play the game” don’t be mad when you don’t score well? I know it sounds harsh, but it sounds to me like you don’t actually need credit access… so why do you care then?
I think you misunderstand. I had to have someone cosign for my RENTAL. The rental I’m living in right now. DESPITE the fact that I played the game for years. DESPITE the fact that I pay all of my bills on time. DESPITE the fact that my debts were paid on time.
“Playing the game” has clearly put me in an arguably worse spot than I was when I started. I didn’t need a fucking cosigner for a fucking rental apartment when I was 20 with zero credit history.
I didn’t misunderstand. You can’t claim you’re playing the credit game and only have one credit card and no non-revolving debts for years.
And no it hasn’t put you in a worse spot. “No credit” is effectively equivalent to “shitty score”. You didn’t need a cosigner when you were 20 because that was probably decades ago when credit score wasn’t used as a metric.
I didn’t misunderstand. You can’t claim you’re playing the credit game and only have one credit card and no non-revolving debts for years.
And no it hasn’t put you in a worse spot. “No credit” is effectively equivalent to “shitty score”. You didn’t need a cosigner when you were 20 because that was probably decades ago when credit score wasn’t used as a metric.
Your entire comment here is part of the reason this country is as broken as it is.
Your entire comment here is part of the reason this country is as broken as it is.
My comment was just on the facts. Not that I agreed with them.
So your insinuation and downvote, just shows that you make a lot of assumptions about people and I would argue that your post is way more damaging to the country than mine.
Edit: I’m not here arguing with you. I’m just outlining why you see it the way you do. I think it’s shit. But apparently you think I agree with the system just because it’s working for me. That’s not the case, and you’re the worse off for starting random hostility with people for it.
I paid off my last car in 2021. I have no plans for another car payment. 10 years over 2 cars was long enough. I’m nearly 40, married with kids, neither of us have any debt, and we pay our bills on time. And yet my fucking RENTAL still required me to have a fucking COSIGNER. That’s an absolute embarrassment.
IDK about you, but I’m sick of this game. This is bullshit, the system is clearly stacked against “the poors”. There is no light at the end of the tunnel. My only source for any sort of actual savings is bonuses and bi-annual “3 paycheck” months.
I’m lucky enough to be able to put 3% of my gross pay into a 401k.
I mean fair enough on the sentiment. I’m not particularly rich. But I do well off for myself and we live comfortably within our means.
But if you don’t “play the game” don’t be mad when you don’t score well? I know it sounds harsh, but it sounds to me like you don’t actually need credit access… so why do you care then?
I think you misunderstand. I had to have someone cosign for my RENTAL. The rental I’m living in right now. DESPITE the fact that I played the game for years. DESPITE the fact that I pay all of my bills on time. DESPITE the fact that my debts were paid on time.
“Playing the game” has clearly put me in an arguably worse spot than I was when I started. I didn’t need a fucking cosigner for a fucking rental apartment when I was 20 with zero credit history.
I didn’t misunderstand. You can’t claim you’re playing the credit game and only have one credit card and no non-revolving debts for years.
And no it hasn’t put you in a worse spot. “No credit” is effectively equivalent to “shitty score”. You didn’t need a cosigner when you were 20 because that was probably decades ago when credit score wasn’t used as a metric.
Your entire comment here is part of the reason this country is as broken as it is.
My comment was just on the facts. Not that I agreed with them.
So your insinuation and downvote, just shows that you make a lot of assumptions about people and I would argue that your post is way more damaging to the country than mine.
Edit: I’m not here arguing with you. I’m just outlining why you see it the way you do. I think it’s shit. But apparently you think I agree with the system just because it’s working for me. That’s not the case, and you’re the worse off for starting random hostility with people for it.