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Credit: Pervis (@PervisTime) - Twitter
Nitter link: https://nitter.cz/PervisTime/status/1700928952670245321
RSS Feed: https://nitter.cz/PervisTime/rss
And you’re what’s called an outlier.
I applied for a loan. I was told I don’t have a high enough credit score by the bank. So now I’m paying rent instead of a mortgage.
Imma be honest, I’m not from the US so I have only a superficial knowledge of what a credit score is, but I’d reckon that’s something you can affect, no?
Then why tf are you commenting at all???
That’s like jumping into a support group and being like “damn that sucks have you tried not having that happen to you?”
If it doesn’t apply to you why tf are you even here?
Seems like a humble-brag / flex / punching down to me. I don’t buy that they are totally ignorant to what they are saying.
You must be really fun at parties.
Well, the only people I’ve known who say this phrase are idiots. So I guess we know what that makes you.
Thank you for making my case.
Just saying that despite the memes it’s completely possible for a normal dude to buy themselves a home. I believed the meme until I tried. The more people I get to try buying a house, the more people get to buy a house, making their lives better and landlords lives worse which is a great win-win in my books.
Why fall into despair when there are things you can do to help your situation is what I’d ask you, knowing full well you didn’t answer the question I laid.
The problem is that you’re being extremely naive and ignorant of the rapidly worsening material conditions the majority of people in the west are experiencing. Your suggestion that “there must be something you can do to improve things, why are you whining?” comes across as tone deaf and dismissive.
People are struggling to keep their bills paid, and most are doing everything they possibly can to try and improve their situation, yet are still failing to keep their heads above water. It’s like someone is screaming “Help!! Help!! I’m drowning!!” and you’re screaming back “I’m swimming just fine, isn’t there something you can do to stay afloat? Why are you panicking?”
If the “why are you whining” part is how it came across that’s on me. I meant it more like, “there are always possibilities to improve upon your situation and that is always a better option than falling into hopeless despair which merely keeps you misery”. And no I don’t mean just get a fifth job lmaoo, but literally anything that’s reasonable and realistic.
Nipping off anything off your budget so you can get 20 bucks saved a month is a better option than giving up on the dream of owning a house.
Unionizing for a better pay to get 20 bucks saved a month is perhaps a bit more provocative option but an extremely healthy one at that.
You get the jist. Like I said to the other fella in this comment tree, I’ve been reading into credit rating system during this convo and yeah I start to understand where the high emotions come from.
That $20 a month you’re saving up dries up really quick when you get sick or hurt and have medical bills that can lead to debt. Most people in America can barley survive month to month, there is no saving. Not to mention saving $20 a month would take you 500 years to afford a cheap 120k house. You sound like someone who has never faced actual financial hardship beyond “I should eat out a little less”.
This is the fundamental thing you’re not getting: sometimes there’s just not.
“Just save 20 bucks a months and you’ll afford a house.”
Are you serious?
Lowest prices I’ve seen for houses in Finland sits at about €200k.
Let’s cut that in half. €100k.
20 bucks a month nets you €240 bucks.
I’m gonna go out on a limb and say you’re a lying piece of shit but, hey, maybe you knew a guy and bought some shit tier shack for that much.
Who knows, all I know is your math doesn’t add up.
You just said you don’t know the US housing market or what a credit score is but you feel confident in saying people can just buy themselves a home.
Also the more people that buy houses the less supply there is, which means there’s more demand, so house prices go up even more.
Yes, people can just fix it. And depressed people should just be happy. And sick people should just eat healthy and work out. You are beyond naive.
In this comment you state you’ve read my every comment, yet I missed this one, care to point it out for me? Throughout the convo I was looking for dope houses on the market, many of which were totally in the range of around 150k. That one guy bought a big lot for less than 50k.
Anyway you sent like 100 comments over the night, mostly with points I’ve already addressed so I’m not gonna reply to most of them. I am perplexed about the perceived hostility towards me, surely your landlord is happy knowing full well their walking-talking rainy day fund is out there defending them and making sure the situation never changes. Buying into this doomer-propaganda is exactly what lets your Lord to live a happy and fulfilling life. Make no attempt to change it.
But in all seriousness, I know how nice it is to crawl into misery and feel defensive when someone tries to nudge you out. I’ve never felt THAT defensive but despair is very addictive. I’m just saying that if there are things to do to improve you life and reach your goals, you are probably better off doing them rather than sperging out on randoms online.
They never answer the question you asked them, instead they just yell at you, telling you how bad you are for asking the question.
Why wont you improve your life is a question that makes me bad?
No, them for not answering that question that you asked.
Affect, sure. In the same way that one can affect having rich parents who support you, thus making it easy to be rich yourself.
Being poor is fucking expensive, and the credit score system is a big part of that.
The credit score system is the yoke upon which the millennial/zennial generation has been shackled while Gen X and Boomers ride the wagon of home ownership and comfortable living due to not having to deal with that bullshit in the 70’s, 80’s, and 90’s.
I was born in 1971. I can’t speak for all of Gen X, but my experience growing up in the 80s is that I was presented with “everything’s fine, you just need to get a job and it’ll all work out.” So that’s what I did, and got nowhere fast. Married too early to the wrong person because pooling our resources seemed to be the only way out, then still struggled to get anywhere. Everything pointed to “I guess we’re just not trying hard enough.” Follow this with depression, divorce, working multiple jobs at a time to keep a roof over my head…
I think plenty of Gen X were just on the the earlier edge of the wave that became what it is today.
Idk if that’s a passive or active you, but anyway that level of effect sounds quite large, maybe folk should find ways to make their credit rating better.
But I restate I have no clues as to the inner workings of this “credit rate” and if it’s indeed impossible or otherwise unrealistic to effect, I’m willing to grab an implied L on that one.