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The numbers will determine your fate (lemmy.world)

submitted 9 months ago by [email protected] to c/[email protected]

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[–] [email protected] 11 points 9 months ago* (last edited 9 months ago) (2 children)

Normal countries don't have credit scores. It's once again a US-only problem.

[–] [email protected] 2 points 9 months ago (1 children)

Wait... Seriously?

I knew it was ridiculous (literally two companies who assign you a numeric value in an arbitrary range and refuse to elaborate why)

But I never considered other places not having some version of this, probably run by the government (or are just using ours)

Can you walk me through how getting a loan works? Let's say a home loan, what would they ask and what decides the terms you get?

[–] [email protected] 3 points 9 months ago* (last edited 9 months ago)

I'm not the person you asked but there aren't credit scores where I live (Netherlands).

First of all when you take a loan it's officially registered with the Bureau of credit registration. Yes paying of a loan nicely will still help but not having any loans at all is usually better. If you already have a loan you can't loan as much money. So there's some kind of system but generally loaning as little ad possible is much better. There's no score though, just positive and negative registrations. Every loan above 250€ is registered. This includes stuff like a phone subscription with included phone.

Besides that if you want loan the lender will ask for income and expenses.

Also almost nobody ever uses credit cards. We all just use debit cards. So you can't spend what you don't have.

[–] [email protected] -1 points 9 months ago (1 children)

Lmao what? I'm from a third world country and credit score is a thing here.

[–] Klear -1 points 9 months ago (1 children)

USA?

[–] [email protected] 1 points 9 months ago

DAE that USA iz a third world country. I iz a geneus.

🤦‍♂️

Come live in an actual third world country, live the way average citizen in that country live, and you'll be yearning to be in USA instead by week 2.

Fuck this dumb circlejerk.