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rsmith6621 (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 05:42 PM Original message |
Poll question: Is Credit Scoring Is Eroding Away The Middle Class |
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GreenPartyVoter (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 05:44 PM Response to Original message |
1. Credit score checks can hurt poor people too. |
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AsahinaKimi (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 07:24 PM Response to Reply #1 |
10. Absoultely! |
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HysteryDiagnosis (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 06:24 PM Response to Original message |
2. Credit scoring, a criminal activity with little or no redeeming value. |
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Nye Bevan (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 07:30 PM Response to Reply #2 |
14. Yes. Preferring to lend money to people who are more likely to repay it is *outrageous*. |
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Raster (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 07:37 PM Response to Reply #14 |
16. The OP was referring to using credit scoring as a means of denying employment or |
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Nye Bevan (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 07:43 PM Response to Reply #16 |
17. I wasn't replying to the OP (nt) |
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HysteryDiagnosis (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 08:29 PM Response to Reply #14 |
18. Exactly my point. n/t |
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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 09:49 AM Response to Reply #2 |
22. How EXACTLY is it criminal? |
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HysteryDiagnosis (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 04:43 PM Response to Reply #22 |
41. It's a crime to threaten people with such silliness that if they don't |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 06:29 PM Response to Original message |
3. For the ones still on the "borrow-train", yes, BUT |
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Curmudgeoness (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 07:15 PM Response to Reply #3 |
7. But are you comfortable that your insurance rates could be higher |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 07:26 PM Response to Reply #7 |
11. I know we are getting a break on our insurance because we have had the same |
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Mimosa (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 04:51 PM Response to Reply #7 |
42. Most people don't understand how the 'credit score' has come to dominate n/t |
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Hutzpa (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 07:23 PM Response to Reply #3 |
9. You speaking as if everyone can afford to pay cash for products |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 07:32 PM Response to Reply #9 |
15. How am I being "selfish" by stating the obvious? |
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Hutzpa (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 09:44 AM Response to Reply #15 |
20. I'm not sure whether majority of people live life like the way you've explained it |
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coalition_unwilling (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:03 AM Response to Reply #3 |
25. I hate to be a Math Nazi, but your friend running around for 20% |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:08 AM Response to Reply #25 |
28. unfortunately for her, she keeps a high balance on her cards |
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coalition_unwilling (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:13 AM Response to Reply #28 |
32. Ah, well that does change matters. Sounds like your friend could |
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SoCalDem (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:14 AM Response to Reply #32 |
33. She ended up declaring bankruptcy, so now she pays cash |
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CreekDog (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 06:10 PM Response to Reply #3 |
45. yeah you don't need a credit score if you don't mind being homeless |
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aikoaiko (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 06:31 PM Response to Original message |
4. criminal and credit background checks are reasonable. |
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TwilightGardener (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 06:38 PM Response to Original message |
5. I'm fine with credit scoring only if it's used when someone wants to borrow |
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moondust (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 08:48 PM Response to Reply #5 |
19. +1 for only used for financial matters. |
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robcon (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 06:50 PM Response to Original message |
6. I think creditors have the right to know prior history of borrowers. |
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hobbit709 (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:10 AM Response to Reply #6 |
30. Borrowers, yes. Insurance, employment(unless handling money) no. |
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Hutzpa (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 07:19 PM Response to Original message |
8. This is the reason why I despises Republicans and some Blue Dogs Democrats |
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REP (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 07:27 PM Response to Original message |
12. I'm on SSDisability and have a near-perfect score -credit can be used wisely by anyone |
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wickerwoman (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 06:34 PM Response to Reply #12 |
51. Until they become a victim of identity theft. |
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MadMaddie (1000+ posts) Send PM | Profile | Ignore | Tue May-10-11 07:29 PM Response to Original message |
13. Credit Scoring which uses secret formulas is criminal |
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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 09:50 AM Response to Reply #13 |
23. Not true. |
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Gormy Cuss (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 05:22 PM Response to Reply #23 |
44. Credit scoring is proprietary, isn't it? |
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CreekDog (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 06:20 PM Response to Reply #23 |
48. so you reduce available credit to yourself and your score can go down |
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MadMaddie (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 09:06 PM Response to Reply #48 |
56. Exactly! |
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Hannah Bell (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 09:46 AM Response to Original message |
21. the whole credit score scam is yet another part of the growing surveillance state |
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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 09:52 AM Response to Reply #21 |
24. Scam? |
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Hannah Bell (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:47 AM Response to Reply #24 |
34. lol. what bullshit. |
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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:52 AM Response to Reply #34 |
35. Yes, your post was. Glad to see you admit it. nt |
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Hannah Bell (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:55 AM Response to Reply #35 |
36. "expert in credit scoring" = lol. |
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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:57 AM Response to Reply #36 |
37. I am an expert. 15 years worth of experience. |
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rucky (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 12:51 PM Response to Reply #24 |
40. Risks for what? |
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Curmudgeoness (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 07:25 PM Response to Reply #24 |
52. Credit scoring can separate risks, but |
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Gormy Cuss (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:03 AM Response to Original message |
26. Pervasive use of credit REPORTS, not credit scoring. |
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tammywammy (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:09 AM Response to Reply #26 |
29. +1 n/t |
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cbdo2007 (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:05 AM Response to Original message |
27. No, credit USING is destroying the middle class. |
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lumberjack_jeff (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:12 AM Response to Original message |
31. If your middle class lifestyle was sustained only at the cost of acquiring a shitty credit record... |
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coalition_unwilling (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 10:59 AM Response to Reply #31 |
38. To quote the band Cake, "How Do You Afford your |
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lumberjack_jeff (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 12:40 PM Response to Reply #38 |
39. "You're drinking what they're selling" +1 n/t |
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Obamaforthewin (40 posts) Send PM | Profile | Ignore | Wed May-11-11 04:59 PM Response to Original message |
43. Good scores |
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CreekDog (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 06:18 PM Response to Reply #43 |
46. and not be a victim of identity theft, or credit reporting error, or... |
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Obamaforthewin (40 posts) Send PM | Profile | Ignore | Wed May-11-11 07:30 PM Response to Reply #46 |
53. There are solutions |
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CreekDog (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 08:30 PM Response to Reply #53 |
54. are you saying that it's okay to be judged on errors? |
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Obamaforthewin (40 posts) Send PM | Profile | Ignore | Wed May-11-11 08:58 PM Response to Reply #54 |
55. No, I'm not. |
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w8liftinglady (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 06:19 PM Response to Original message |
47. One brain tumor made mine go from good to shit in two years. |
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Initech (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 06:26 PM Response to Original message |
49. It's another tool of the wealthy elite to destroy what's left of what we have. |
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pitohui (1000+ posts) Send PM | Profile | Ignore | Wed May-11-11 06:30 PM Response to Original message |
50. shitty pay is eroding the middle class |
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