how fucking jewed is it that having no debt implies my credit

>>35027006
>be banker
>have no idea who you are
>have no idea if you have any income
>have nothing to base your ability to pay back a loan
>expects me to extend you credit
Now, you see how you might be retarded, right OP?

>>35027006

If you have no history, your credit rating should be higher.

Are you sure your parents didn't use your SSN to take out large loans and not pay them back when you were a child?

>>35027033
>>have no idea if you have any income
Do your research then

>>35027033
no, because the banker can build on the fucking fact that I never had any fucking problems with credit in the past, which is probably more than most fuckheads accomplish in the age of smartphone contracts

the credit wouldn't have been higher than maybe $500, and yes I had to give my income and well as my occupation so the dude had some idea

so what the hell is it with making a credit rating and not making it go up slowly with time when nothing negative happens, saving used to be a value but oh well

>>35027040
I don't know precisely but I think it's very unlikely, the ol' single mother is very thrifty, risk-averse and also incredible idealess regarding money

That's how the banks make money, isn't it? The interest off loans. Not surprising then that they want to force people to take more loans.

>>35027084
>did absolutely nothing
>more than most accomplish

I can see why r9k would believe/want to believe this

>>35027006
>Get credit card
>Pay everything off like normal at the end of the month
>Alternatively get one of those cards where it's written as a credit card but it's taking money out of your account like a debit card


Not that hard lol

>>35027006

Credit Scores show off how much money they can make off you.

Credit Scores don't represent your good money skills.

Credit Scores mean Profitability for Banksters.