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this post was submitted on 11 Sep 2023
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if you never take loans or use credit cards, your score won't be very good. you have to prove that you can take on debt and repay it, not just that you can be responsible with your money (by, for example, never taking debt).
That sounds unfathomably stupid.
I mean if I'd have to choose between giving money to someone who's never before had to take a loan vs someone who lives from credit to credit, I'd choose the first guy any day.
It's not really stupid from their perspective. It's about risk analysis. Unknown is riskier than someone who has been proven to pay off their debts.
i mean, yeah. i agree. but those are rules of the game for plebs in the US. (i'm sure things are different for the super-rich.) you wanna rent an apartment or buy a new car? you have to show good credit or have someone with good credit co-sign any agreement/loan. you might do it on your own if you can show enough income (for rent) or can purchase a car outright (pay the total amount).
you can do these things with bad credit, but you will pay a higher interest rate or settle for something sketchy.
i can't speak to house-buying (looooool, add me to the list of americans in this thread who will never own a house), but i'm pretty sure it's the same.