What Goes Into Your Credit Score?

[@Lonerprime]

I am from India and I initially I had no idea why YT even recommended this to me. I mean, most of the time the things you covered didn't even apply to my country. But then I realized, even though the cover might look different, the book inside is pretty familiar i.e basic economics. As a single guy about to start my own life, I really appreciate these tips and guides both of you put out. Especially the innovative spin you put on it to mitigate any influx of boredom. These are the kind of things I wish they would have taught me back in school/college. Well, long live the internet that allowed someone like me to connect with content made by you folks from so far off. Keep up the great work.

[@synysterpain]

@Kumaran Pilot what??

[@santoshd6613]

Exactly my thoughts!!!!

[@DurgaswaroopPerla]

I don't know what you mean by "don't apply to India". I am from India too and everything they talk about in their videos is general finance. It applies to everyone. And definitely to India.

[@Lonerprime]

@@DurgaswaroopPerla You need to look at their old videos Durga. Yes, you are right that most of their advice is universally applicable but a lot of it comes from US's history and how it affects present modern day decisions. You can't really expect me to take property estate advice from them and apply it to the Indian market, can you?

[@triad6425]

I really like that you said the fico score is a relationship with debt.

[@barvdw]

Which is probably the reason why it's not always easy for people wanting to live debt-free, or as debt-free as possible. I mean, if they don't have any history on you, how can they score that history? Or if you just moved into the country, data can't be collected as easily from outside sources, although I have a mortgage which I pay off correctly, and have one credit card and a credit facility, which is paid back every month (about once a year I might miss a payment, but never for more than say 200 euro, and never longer than 1 month). I don't have a drivers' licence, so no need for a car, and thus no car loan. But if I'd emigrate to the US, I would have no, or an abysmal FICO score...

[@darlantro]

@@barvdw - Missing a payment a year is not great. If it's due to forgetting, maybe take 10 min and set calendar reminders for times next year when you expect payments to be due on the bill you're most likely to forget, and also automate what you can. The purpose of good credit is to borrow on good terms, as in for a home or car purchase. If you're not buying a car and already have a mortgage, maybe you're fine at the moment not maximizing your score.

[@barvdw]

@@darlantro Luckily for me, then, we don't do FICO scores, here. And of course, the minimum payment is automatically withdrawn from my account. But I agree, paying late is never a good idea, if only because it's expensive. I do not plan to buy a car any time soon (I have no driving licence and living in a city with decent transport and only 3 km away from my work, I get by without one, a car would be useless half of the time, eating up my money with insurance, paying for a garage (easily 100 euro/month), etc.) I already have a mortgage, yes.

[@YourMajesty143]

@@barvdw - I built up my score by just having one credit card. I lived most of my adulthood without one and just opened 1 up. I set my Netflix on autopay on that card, and within 6 months my score was 730. Having no history is better than having a bad history, bc you can quickly build up your score as soon as you decide to build your credit.

[@barvdw]

Kim not American, so it works a little different for me, but thanks for the information. Somebody might be helped with it.

[@thefozzybear]

A co-worker asked me to lend him a pen, I asked him what's his credit score.

[@abhikshitdas]

The Foxy Bear

[@demven04]

It’s a good joke, I’ll try it

[@blackbutterfly233ify]

Lol

[@lateblossom]

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[@BrawlBros14]

I'm glad KZbin recommend this for me, it's so helpful and easy to understand!

[@NotShowingOff]

JoshieBoi Vlogs you would have to subscribe to the chain. Like sci channel. Those green bros are creating an online university.

[@davidhierholzer9340]

I had a lot of closed accounts and collections on my report that was affecting my score negatively, I fixed all that with the help of Credit MasterFix LLC, The cleared all my negative items and I got a massive score boost of more than 229 points in less than 2 weeks. look them up on any search engine to visit their website for help creditmasterfix.com-

[@richardsteinburg3246]

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[@johnkira2095]

My credit score was 571 and I couldn’t get approved for a loan, a car and a house... NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Hackergold02 on instagram he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Hackergold02 on instagram, they are really the best trust me you can even message them on WhatsApp ‪[phone]‑9099‬.

[@IzhanStark]

You deserve every bit of appreciation for your efforts and the knowledge you provide. You one one of the very few channels who actually deserve a lot more because you teach us what school never thought us.

[@RangerRuby]

First! This channel is awesome, and not being old enough to have a credit card this video is really great in explaining them! I'm always looking forward to the next video this channel post! I love the graphics and the script! It mixes entertainment and information! Now I know all about Credit Scores!

[@namkeenkumar]

the only youtube I have ever come across that has zero downvotes even after 1500 views... awesome

[@DS-Pakaemon]

3k right now without any downvotes

[@KambEight]

You jinxed it

[@snowballeffect7812]

KZbin has changed their likes/dislikes algorithm so that you don't see dislikes because of bots and people who don't finish watching going around spamming that shit. They eventually show up.

[@snowballeffect7812]

@Lovingthetruth7 Ltt7 bots are usually scripts that log in and out of different accounts and go add fake views and ratings on videos. a lot of videos that are controversial also have the problem of people not watching a video all the way through but still leaving a rating, which obviously isn't entirely fair.

[@connorsmith8194]

Oh my gosh, you guys listened! I suggested this video in the comments of the last video! Thank you for making it! I really enjoyed it, and it was full of helpful information!

[@pynklady11]

I really wish this was around when I was 18 omg I made SO many mistakes in my 20s out of ignorance 😒

[@mylifeisamememylifeispathe3140]

I love this channel so much! I hope you guys grow exponentially & help many many people. From the bottom of my heart thank you and merry merry Christmas 😊🎄

[@KambEight]

That’s a very nice sentiment, “My Life is a Meme, My Life is Pathetic”

[@avocademy]

You're assuming I even have $100 lol

[@davecrupel2817]

@Lucas Zhu how? You use the card minimally. You have it. But barely need to use it. That screams "im managing my money well."

[@clynesingca415]

gel banana

[@TheBlueQuasar]

Speaking as a professional in the area of personal finance, this channel is extremely valuable for people.

[@danfg7215]

I like how they reduced the cringe of having them both in frame, one talking and the other not knowing what to do or where to look at, and they finished well, with a straight cut to them both saying "... and that's our two cents". Nice editing!

[@KafshakTashtak]

No amount of articles could have summarized the credit score like this video. Thanks guys.

[@Mrg524]

This channel is a great resource for building financial literacy!

[@sumitphogat8231]

I got nothing to add but I got to say this: love you guys! You guys are awesome! :)

[@darkovdarkov1417]

I worked in a fintech company that gives out credits. And I was working specifically on the software the staff uses to evaluate clients for credits. From what I've seen there was a lot more then just this. Of course, we were using a special credit score model, created by the company co-ceo. It involved statistical data, like what job you have, your age, even gender (and quite a few others too). The most important was the credit score of course. The credit scores explained in this video, to which countries do they apply/cover?

[@barvdw]

I'm pretty sure there's a similar system in many European countries, but they're rarely internationally opened and often not as regulated, or even known. In Belgium, where I live, banks have lists of bad creditors they share, but how and with what conditions, I have no idea.

[@morningmadera]

It had statistical data on over 100 types of gender? Amazing.

[@barvdw]

I found some new information for the Netherlands, and we use a similar system (run by our National Bank). There is a Central Credit Information System, run by the Bureau Krediet Registratie, started by the Dutch banks and financial institutions. They keep track of all credits, and whether these have late payments of over 3 months, and mortgages after 4 months. After 5 years after the end of the debt, it's deleted.

[@cancelled_user]

@Darkov Darkov, That's interesting! Can you write a bit more pls? But... are you sure the FICO score was taken into account? As far as I know, the FICO score is only visible to YOU, not to your creditors. Every creditor have their own methods of calculating their own score, with their own scale. FICO score or any other number that is visible to you, is only to give you an indication of how a potential creditor might score you. Credit reference agencies show this number only to you, not to creditor. Creditors wouldn't give a sh*t about it anyway, as they do their own scoring themselves. What they DO care about, is your credit history and other informations on your credit report.

[@eddieportillo897]

Every person should be watching this channel. You learn the life skills you never learned in school. Great video once again guys!!

[@FabulousKilljoy917]

This is now my favorite video, I recently got a hard pull on my credit score which I’m completely devastated by and I don’t know how to make it go back up quick enough 😔 I check my score like every day, it’s troublesome

[@waqipatel]

I am a finance major and I find these accurate. Good job guys! Been subscribed since the first video

[@Syco209]

Please make a show about: Should I lower my credit card limit?

[@user-db9oy8nj8u]

👆👆👆 There is way out sir. Buzz me up via my handle

[@VS-TheWorld]

Perfect video to my age old question... what is a FICO SCORE!! PS IM gonna watch this another 999 times :)!!!!

[@matty_longlegs2k]

this channel deserves more subs

[@TimBradleyFromOz]

Thanks for educating people on the important issues. This should be a commodity subject in schools.

[@ThisisBarris]

Another great video! Maybe a video on how to build your credit safely? I need it because I'm moving to the US soon and have zero credit history. Although, from this video, it seems like history isn't that crucial. I hope you have great holidays and a happy new year!

[@jasonharris765]

They said what it takes at the end of the video

[@FiveMinuteFinance]

Here’s a few pointers from when I first started building credit. Start with a credit card with no annual fee. If you’re having trouble getting a credit card without a credit history, try looking into getting either a secured credit card (basically a credit card that requires a deposit held by the credit card issuer to limit their risk of losing money) or a credit card from Discover (they tend to be more lenient with who they give cards to). Then, use that card for small purchases that you can afford and pay your credit card bill in full each month. The combination of small credit card usage and consistent payments over time will put you on the right track to building a strong credit history.

[@C_HILL_OUT]

I just found this channel and being a Dave Ramsey follower I have to say I love your videos

[@joshmulder9806]

I'm taking the Dave Ramsey classes through my work smart guy

[@C_HILL_OUT]

Josh Mulder good luck to you. My wife and I took the classes in 2015. We are only $10k away from paying off our house and being completely debt free. It takes discipline and patience. I hope you get the life changing lessons that we got out of it.

[@Martin-ri4fg]

This system blows my mind. The US and Canada are the only countries that use a credit score, and tbh I find it absolutely absurd. You need to have an arbitrary score calculated from things that are the very contrary to what you're trying to achieve... Like, you need to borrow money (that you might not need in the first place), which is equivalent to be irresponsible with money, to show that you're going to be responsible with money when you're actually going to need that money lent to you. Also, that still didn't prevent the 2008 crisis because banks didn't do their due diligence, which is to say that credit score doesn't work and doesn't mean anything. By contrast in other countries banks just check what you've actually been doing with your money if you have a steady income and how good are you with your budget, which makes a lot more sense. Also, in most other countries, credit is not a thing, so you only spend money you have (except to buy a house), which is a much better system because people don't go into debt. But about the channel itself : love you guys, and love what you're doing! you're making an amazing job at explaining the completely backward thinking NA model ^^ (which as a foreigner is kinda important to understand when you come over :D)

[@doublebarry6190]

Wow, I am early. Love your work two cents. You will make it to the Gold Playbutton 👍🏻

[@pspreng]

My son wanted to buy a new car and asked his grandmother to pay for it to get a better price and interest rate. However my mom had no credit rating because my parents had never borrowed any money for anything. They always waited until they had the cash for cars, furniture and even the two houses that they bought. The few credit cards they owned were just for convenience and were paid in full every month. So you don't need credit if you are careful with your finances.

[@amysofia5783]

Growing up in an anti credit card household, I learned later in life that credit cards are actually a great tool toward achieving my goals! I only have one credit card and I think of it as an extension of my bank account. If I have $1400 from my paycheck in my bank account, that means I need to spend less than $1400 on my credit card each month. I only use my card for groceries, gas, and expenses I KNOW I can pay off with what I already have in the bank. A credit card isn't something you should use to buy stuff you cant afford.

[@dronzie]

Good for you. I find that most of the negatives that people associate with credit cards can be eliminated with a simple budget, or at the very least keeping track of your spending. The cash back on them are great and they're great for emergencies and to hold you over if you are a little short on cash before payday.

[@dolebiscuit]

What I'm seeing here are people who are excited to see a video from you guys, and people who have had a bad relationship with debt and money management. It's kind of sad to see people blame credit card companies for their own failures or hardships.

[@akoritamaradenyefalucky6038]

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[@TeamWalsh]

this is some good advice. I feel like credit is pretty important, however, I think saving when possible is more important.

[@s.rob.5482]

Great Channel, need to show this to my niece.

[@sercanbasboga6361]

I'm in California, I bought a vehicle, but in my shopping I had 12 hard inquiries done in a one month period, I have heard (and I can't remember where) that in Ca. if you BUY a vehicle within 30 days of the first inquiry that any inquiries within that 30 day period would be combined into ONE inquiry. But this has not been changed on my reports which is giving me headache along side collections, charge offs & tax liens but few weeks ago I read about CREDIT MASTERFIX from an article created from 2019 by a UK blogger. They didn't only delete all negative items that's giving me headache, they also raise by score by 265pts in under 3 weeks using them CREDITMASTERFIX🟢COM

[@parzival8331]

Just want to say thank for teaching me a lot unlike school and that i watched all of videos just now and took notes.

[@Lolalogo]

I'm learning too much from this channel and I love it.

[@kifird23]

A great resource for teenagers to learn about financial topics that the system brushes over in school. Also can you make a video discussing the finances of a teenager and potential tips? I currently make a small part time wage since I'm still in highschool.

[@SIl_Ae]

1:29 thanks. i needed to hear that.

[@Pfyzer]

any tip for us who just started using cards? perhaps in a video?

[@buc_mac]

My recommendation is DON'T use them..... I'm serious, trust me. Your quality of life will be better without debt

[@mikeg9b]

Set your credit card to automatically pay its full balance from your checking account every month. And, of course, make sure you always have enough money in your checking account -- by keeping a large, self-imposed minimum balance. I started doing this before I deployed to Iraq for a year in 2003 because I might go months without being able to take care of my accounts. Now, I couldn't imagine doing it any other way. My chances of missing a payment are zero and I never pay a penny in finance charges. Your credit card account website might only show an option to pay the minimum balance automatically. If so, you might need to call the 800 number on the back of the card to set it up.

[@hackroot7363]

"Borrow as little as possible and pay it back on time"

[@jjohnston94]

Start with a gas card. A card from one of the big oil companies is easy to get, and it's very hard to "spend too much" on gas. You're certainly less likely to be driving past a gas station with an already full tank and say, "Look! They're having a big sale on gas!"

[@Pfyzer]

@@buc_mac yeaa thats kinda hard in this modern world don't you think?

[@NevanRead]

I am 26 years old and my credit score hit a 795. I am so proud of this achievement 💞☺️🔥 It's 796 now

[@SantoshRatnala91]

I love this channel so much. Useful and precise information. Keep up the good job. :)

[@harrisw4408]

You guys are awesome! The videos are the perfect length and the content is engaging and helpful

[@01upto6min3]

Great video as always! I would add an advice/tio/trick - borrow when you don't need it, and pay it back on time - that will increase you "trustworthiness".

[@TheModernGlitch]

I use Credit Karma because I can check my credit score more than once a year (I actually check mine every month) and they offer great advice and help you understand what in the world is going on. I signed up for Credit Karma last year and I believe my credit score was in the low 500s now as of today it is in the mid 700s While there is some stuff that I don't fully understand, videos like these in addition to the advice & notifications from CK only help me learn so my score can keep growing.

[@gotperfectscoreusingroycre8874]

I had improved my credit score from 500 and up to 775. I highly recommend this company they have a good reputation and they follow through with what they say thank you for your services Roy.

[@louislee5792]

Hello scammer

[@firstlast-cs6eg]

You downplay how problematic the credit bureau are but their fallibility should not be understated. The way they can get things wrong, like mixing you up with another person etc is compounded by how hard it can be to fix those mistakes and how they have zero accountability to the people they judge with their scores. Their real customers are those who would check credit history, not you.

[@farmerboybill]

Agree, you are the product. But you gotta play by their rules if you want to make a go at a decent life. Your credit score determines whether or not you can rent, buy a home, buy a car, get a job. It can also affect the cost of insurance, debt, etc. It really sucks that the credit reporting agencies care so little for the product they are selling. You would think they would do their absolute best to be sure that a person's credit history is accurate, but they do not. I have been lucky and we have maintained a very good score. The stories told of people who slip through the cracks are truly horrifying. John Oliver did a piece in it a while back.

[@dolebiscuit]

There are legal protections in place, and credit bureaus are now held to a higher standard with credit reporting and fixing errors.

[@teev7]

Credit is a big joke. I had a judgment placed on my credit that wasn’t supposed to be there. I had to fight to get it off my credit report for three whole, long, grueling months proving that there was an error. The courthouse did not even have a record of it. It was a big mess, to say the least. It was removed due to my tenacity!

[@anobody6564]

Thank you for uploading these kind of videos. It's really important information that allows me to further understand.

[@dainjahrus]

This is awesome, One thing that I dont have a good grasp on is Balance Transfers... could you guys cover that? there are lots of info on it on youtube, but i'd love to know what you guys think :)

[@akdaus]

Could you guys do video on the cost effictiveness of owning a motorcycle over cars?

[@bhaiadarsh]

Best channel on youtube...

[@Aarik666]

lovely video. i had always wondered how this was calculated. This was exceptionally useful. Thanks a ton!

[@ninjanerdstudent6937]

I subscribed. This is a worthy channel.

[@alypialpha2712]

Also keep in mind the amount of debt you have. When I got out of college, I had an excellent credit score, but couldn’t get credit cards or loans because my DTI (debt-to-income) was high due to my mountain of student loans. Making debt payments on time didn’t mean anything if I had too much debt in the first place.

[@DS-Pakaemon]

Another awesome simple to understand video!

[@skydragon3857]

sorry it seems at 4:12 it's said that the report is free, but then later on at 4:15 it says "for a fee" huh? can anyone please clarify?

[@liamking6915]

Contact Alan on WhatsApp via [phone] and also via email@ [e-mail], (he does not take upfront payment) if you need help, Hacking your PayPal, Credit score fix, Clear off mortgages, Bank account hack,Phone hack(cheating husband or wife),Western union hack,Money gram,Credit card hack,Instagram verification,Facebook and many more...................... He is fast and reliable..

[@Iffy50]

Another great video! I never knew the details of what my credit score was based on.

[@TwoCentsPBS]

I know, crazy right?!

[@akoritamaradenyefalucky6038]

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[@TheHostForMyFolks]

I honestly love you guys thank you for every video

[@dogcabbageboy467]

Please do a video on how to make more money! Or one about stocks and investing! Thank you

[@zairavega420]

I was lucky enough to have a few teachers who went off on tangents and explained credit to us.

[@HNIC_Neochilds]

You might want to mention that you can use creditkarma to check your scores as well. Other than that good video.

[@sarahkhaled1030]

Wow you guys have grown so fast in the past couple of months!! Awesome keep it comin :)

[@harryallenpearce89]

I paid off a 15 year mortgage in 9 years. My FICO score went down like a rock. I don’t believe that this video properly reflects how it really works.

[@user-db9oy8nj8u]

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[@rachelchua9699]

How I wish we have this kind of program in my country

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[@liamking6915]

Contact Alan on WhatsApp via [phone] and also via email@ [e-mail], (he does not take upfront payment) if you need help, Hacking your PayPal, Credit score fix, Clear off mortgages, Bank account hack,Phone hack(cheating husband or wife),Western union hack,Money gram,Credit card hack,Instagram verification,Facebook and many more............................ He is fast and reliable....

[@DeltaLou]

Thank you for such wonderful videos on life. This is quite the effort and we appreciate it!

[@CommandoMaster]

Also you shouldn't cancel your oldest credit card because it will affect your credit score. Credit inquiries on your report will last up to 7 years before they go away.

[@akoritamaradenyefalucky6038]

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[@DanishAnsari-lf7nz]

i love your every video...Your explanation on financial sector was awesome, Love from INDIA🇮🇳

[@Ben-dl1nu]

Do a video on how much better it is to invest your money in stocks vs. real estate

[@joelsimon8545]

Your videos are amazing

[@duwaynebrink9173]

As always thanks for these Really informative videos itw honestly helped me a ton, just wondering though when we will be seeing that part2 of imaginary money 😅

[@abdelhak50]

What great illustrations and simplifications

[@SunWarrior155]

Credit Karma, anyone?

[@jasonharris765]

Yea if only creditors took that score into account. The FICO score is the one that is used. Credit Karma is their own system that is sorta close to your FICO score, but not the exact number

[@SecretRabbit93]

Credit karma is really good for keeping track of credit changes. New accounts added, new inquires, things like that. Also seeing the general track of your credit over time. The actual number it gives you though, is pretty meaningless.

[@cancelled_user]

@@jasonharris765 Creditors don't look at any score! They calculate it on their own, based on their own criteria and using all the info from your credit report. They see your credit report, but not your score. FICO or any other score that you can see, is only visible to YOU. It is just an INDICATION provided by credit reference agencies of how they think a potential creditor would score you. If you don't believe me, ask directly at Experian or Equifax like I did.

[@michael567jober]

@@SecretRabbit93 meaningless how

[@alexixeno4223]

What differences if any is there to Canada's credit score system?

[@justSTUMBLEDupon]

Question about the different types of credit: If I want to get a house, how do it if the only types of credit I have is credit cards and student loans? What other types of lines of credit are there?

[@liamking6915]

How are you doing I haven't heard from you. Should I add you in our schedule for today credit score fix

[@user-db9oy8nj8u]

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[@lizzylucyn7133]

What if you haven’t yet borrowed anything or taken out a credit card? Do you start at 850? 0? N/a?

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[@MubeenKhan-dz3lw]

you guys are the best!!!

[@TheValiantZero]

Your videos are quite pleasant. I especially like the pretend roleplaying/costumes, really adds a novel entertainment aspect to the learning experience. If I were you, I would make your channel logo brighter. It would help draw more attention and give the feeling of a "fresh perspective." The dark color right now makes you seem more like a history channel.

[@vaibhavverma7395]

LOVE YOUR CHANNEL!

[@Shreendg]

Another good video. Keep up the great work, guys!

[@denchua]

If you keep on maxing out a credit card but consistently pay it back in full before the due date, is that a plus? Does the credit-to-debt ratio only apply to credit card debt which was paid less than the full amount?

[@cancelled_user]

No, it's not a good thing. In creditors' eyes it makes you looking like you rely on credit too much and therefore you may be in financial difficulties, thus, more risky. Paying in full is the best, but still, you should only use relatively small percentage of your available credit. Definitely not above 50% (at least not regularly) 30% is good, 10% is very good. I've read that people with highest credit scores typically use between 7 and 8% of their available credit.

[@liamking6915]

Contact Alan on WhatsApp via [phone] and also via email@ [e-mail], (he does not take upfront payment) if you need help, Hacking your PayPal, Credit score fix, Clear off mortgages, Bank account hack,Phone hack(cheating husband or wife),Western union hack,Money gram,Credit card hack,Instagram verification,Facebook and many more............................ He is fast and reliable....

[@joecurran2811]

Congrats on 100k subscribers

[@LadyNerdyLegalPants]

You should be realistic about credit scores. These scores can keep you from getting jobs! I've been denied 2 jobs after my divorce because of how poor my score was while I couldn't make payments on debt. This dropped my score. So your credit score could also wreck your life even if you're trying to better it.

[@ItsMe-ox8lm]

What a great video! Thank you.

[@hooligaan8489]

Wait, pay as in...pay everything back? Or pay the minimum payment. I'm new at this. Also I LOVE THIS CHANNEL!!!

[@joey882286]

Always pay at least $5 above the minimum payments! Otherwise you won't see your payments go down due to APR charges. If you have extra money pay modestly above the minimum payment.

[@KevinLopez-jf5ys]

The American credit scoring and reporting system is a bad joke, but we're forced to laugh.

[@dianachaves8826]

Love you guys! I have learned so much with your videos! please bring more with interesting topics! you are a blast!

[@mominx2412]

Her shirt is beautiful, Looks amazing on her. Great video,like always.

[@zammilbasheer6512]

love you guys.... really good videos

[@leelya6272]

If I keep watching you guys by the time I'm 18 I'll be a pro at this 😎 Thanks guys

[@wormmy]

Great job, anyway you can make an episode on creating a corporation and the types of corporations.. thanks

[@TwoCentsPBS]

Great suggestion for a topic, Jose!

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I have a FICO 848 at age 35. It’s a lot of financial responsibility. Been 848 for ten months in a row.

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[@Lainabell1496]

I'm an assistant property manager (landlord) when we run someone's credit if it shows they've gone bankrupt, they have collections, or a repossession it's an automatic decline. We also look at their ability to pay Bill's the scale is 1-9, 1 being they pay on time and are good 9 being they owe a lot and havent paid. We can see if car companies, credit card, and other places have done a hard pull to run the credit. So pay your bills!!

[@teev7]

Are medical collections factored in as well?

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[@Читатьписатьумею]

Thats so helpful. Thank you

[@VBrinkV]

"Try to borrow as little as possible." Lol, this came back to bite me and my wife when trying to get a rental house without any credit scores. We are both too responsible apparently, and never take on debt. Trying to get a score by having a small line of debt I pay off every single month. Once I get the score, I kind of want to stop using the card, but not until I lock in some purchases it affects. I HATE debt, wishing they would judge us based on something other than having and paying off debt.

[@feynstein1004]

I'd love to see an economic analysis of relationships. I've always deemed them to be highly unfeasible but perhaps I'm wrong 😂

[@turvarya]

How is sharing resources and costs unfeasible?

[@feynstein1004]

@turvarya I'm sorry, but I don't understand your question. Would you mind elaborating a bit?

[@turvarya]

@@feynstein1004 Maybe I am thinking about another kind of relationship than you. (Romantic) relationships mostly involve sharing a living space(flat or house), sharing a car, sharing chores, etc. So, I don't understand, why you think, that is unfeasible.

[@feynstein1004]

@turvarya Ahaha no, we are talking about the same kind of relationship (romantic). And all the sharing you mentioned happens only in the latter stages of a relationship, after the people decide to move in together. To my knowledge, most relationships end in breakups, which imo negates all the positive effects while it existed. There's the heartbreak caused by the breakup, and the fact that all the time and effort spent in the relationship ends up pretty much wasted and you have to start all over again with a new person. If relationships were houses, you'd be investing your time, money and energy in a house made of sand: it could collapse instantly at any time. Hence, it's not a good investment. Then again, all of these disadvantages could be offset by the fact that the goal here is to find a person who will break the cycle and with whom you can spend the rest of your life. But there's no guarantee that it will happen. Firstly, such a person might not exist at all and secondly, even if they do, you might never find them. An in the worst case, you might find such a person, but they might change in the future and leave you ( PolitiFact.com estimated in 2012 that the lifelong probability of a marriage ending in divorce is 40%-50%). Now, of course, there's another factor that comes into play here: most people want to, and have to reproduce. And these days, the most common way to do that is via relationships. However, this doesn't necessarily negate the disadvantages mentioned earlier. Just because you want to get married and have children doesn't mean the next person you date will be the one you do that with. To summarize: you'll most likely not find the right person via dating, and even if they are the right person now, they won't necessarily remain the right person. Which seems to me like a pretty bad deal. Of course, I could be wrong. I'd love to hear your opinion on it. I apologize for the lengthy comment. I wanted to be thorough. :)

[@turvarya]

​@@feynstein1004 The problem is, that you see dating as work, which is a fucked up mindset. It's like saying, that you don't see your best friend from elementary school anymore, so all the time and effort spent is wasted. Dating has it's own value, if not you are doing it wrong and doing it wrong might exactly come from this mindset, that the goal is to get into a serious relationship or to reproduce. The big problem is, that you can't really measure fun or the value of it. How much fun-value is your gaming rig worth? You spend hundreds of hours playing games with it, but then your GPU breaks down. Was it worth it? Did you waste your money, because it finally broke down? In my opinion the heartbreak doesn't negate much of the fun(or whatever you want to call it) of a relationship, but that is also due to the fact, that I get over such things pretty fast, there are people who mourn a past relationship for years. So, yeah, for them it might be unfeasible. But that also accounts for a wrong mindset in my book. It seems to me, that this is the kind of mindset, social media teaches a lot of young adults, this whole "feeling bad about minor things"-BS and more concretely all about "dating is not worth it, because it costs time and money and relationships can fail" instead of just enjoying life.

[@joshuarichmond4273]

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