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0 pointssillysaurus212y ago0 comments

For anyone who hasn't experienced it: Credit score literally determines your quality of life in America. I couldn't get internet for a new apartment at age 21 because I was "unknown risk" since I'd never bothered to use credit very much.

To be clear, I hadn't missed any bills. I just hadn't used much credit, so they had no data by which to calculate a score for me. Therefore AT&T completely refused to do business with me.

It's crazy how much power these institutions have over your life. That this company was able to ruin her credit for posting a negative review is a huge deal. If they're not penalized for this, then this will set a terrible precedent.

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harshreality12y ago

Credit score (and stable credit history, utilization, limits) determines your quality of life when your quality of life involves post-paid credit-based services. And whether and on what terms you can get a car loan or home mortgage or margin on an investment account.

If that's surprising I don't know what you're thinking.

I'm surprised though that AT&T didn't let you post a security deposit in lieu of good credit.

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0 pointssillysaurus212y ago0 comments

To be clear, I hadn't missed any bills. I just hadn't used much credit, so they had no data by which to calculate a score for me. Therefore AT&T completely refused to do business with me.

0 comments

harshreality12y ago

If that's surprising I don't know what you're thinking.

I'm surprised though that AT&T didn't let you post a security deposit in lieu of good credit.

j / k navigate · click thread line to collapse