hiddengoat

DO NOT claim you have the right to drive on public roads without documentation while you have a gun on your hip and you are berating those police.

Unless you're within my line of sight and I have some popcorn, at any rate.

Even though Foxworthy's main thing was "Ya know yer a redneck if..." and could have been stupid trash a lot of it was actually really damn clever, especially if you were from the south or had an understanding of southern culture. I always liked his definition of "redneck" as "a glorious lack of sophistication." Like... yeah, that's absolutely what redneck used to mean. Now it's just strict adherence to trumpism, lifted trucks, Mossy Oak, operator beards, the jesus, and having a Black friend that's "one of the good ones."

Ron White used to come into a restaurant I worked at years ago. If you didn't pay attention you wouldn't realize it was him. Usually kind of quiet, would just eat and run. If you got the chance to actually get into a conversation with him though he's legit one of the funniest people I've ever met. Which... duh.

I love how the implication is that being a butch lesbian was her biggest accomplishment. Like it took years of study, a thesis, and a certification from the International Professional Butch Lesbian Council.

Which, I mean, that just sounds awesome. "Leslie Feinberg, IPBL"

After reading her Wikipedia article I've got to check out some of her writing. Seems cool as shit.

No you can't. When you look at your credit report you see a lot of "MAY" and "COULD" and "MIGHT."

This is horseshit.

Income is a terrible metric.

I suggest you lie on a few credit applications (not really). You'll be amazed at how readily you get approved just because your income crosses a certain threshold, even with the same score.

Several years ago I was looking to add a couple of cards, primarily for emergency reasons. I apply for a card and get rejected. Six months later I get a new job that's promising me a significantly higher income but I haven't started receiving more money yet (contract work is fun). I apply for the same card, same information, knowing my credit score had not changed, the only difference in my applications was my income (that required no verification) and that time I got approved.

So apparently the banks have a different thought process than you.

And what the fuck is wrong with you that you even think about someone else's credit score? Are you also mad that your neighbor is gay?

Don't answer that...

Yes, you brown-nosing corpo-slurping bootlicking twit, I do in fact keep a pretty damn close watch on my credit score because suckups like you will fellate and propagate any capitalist horseshit you can so I have to rather than just NOT WORRYING ABOUT IT and only applying for lines of credit in line with my income levels.

Instead it becomes this stupid game of laddering where you can apply for an increase now, but you can't apply for new credit, but also you need a new loan to maximize your score, no not that kind of loan, no also don't pay off the loan that's bad too, why did you need more credit again?

Anyone ignorant enough to support this needs their own separate financial system that caters to their intrinsic need to be a sub.

This shit's less than a week old and you didn't even fucking know it existed 11 hours ago but now you're throwing the Democrats under the bus for something the Republicans did.

Fuck off with that horseshit.

Mortgages were, prior to assholes screwing the whole thing up with mortgage-backed securities, seen as one of the lowest risk things banks could handle.

If you default on a mortgage the bank forecloses and auctions the home. This was QUITE rare before the housing crash. The problem was that the banking industry became so lax that they were giving loans to people that actually did NOT have the money to pay for them, figuring that they could just seize and sell the home as they always had. The problem THEN is that mortgage-backed securities were a thing by that point and every foreclosure caused another domino to fall over.

It became a shitshow because banks fucked themselves over being greedy pieces of shit.

"Young liberals" are why we got the fucking civil rights act, ya fuckin' dink.

There still isn't a standardized and scientific way to assess credit risk. There are three major companies, several minor ones, and all of them offer multiple products.

IT'S ALL A FUCKING SCAM. We just blindly accept random institutions compiling all of our data and telling a bank whether or not we should be given a loan regardless of our ability to pay it back. It has little to do with income anymore, which should be the only allowable metric. Don't want the risk? Get the fuck out of the mortgage business.

At one time you walked into a bank, showed how much money you made, and got a home loan.

But that allowed too many Black people to buy homes, so credit scores were invented as a way to discriminate against people using a black box with no real published metric.

Yay for redlining under a different name!

And your dumb ass thinks that buying a house right now is possible on less than $100k a year. Yeah, you're a fucking moron.

I will reiterate my fuck off.