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Message
re: How Credit Scores Work mostly **Spoiler Alert** You have more than one
Posted on 2/12/16 at 3:23 pm to GenesChin
Posted on 2/12/16 at 3:23 pm to GenesChin
quote:
Your credit history age is typically the biggest thing holding back younger people.
This always shows up as one of my negatives. Not hurting too bad a 736 though
ETA: Thanks mom for co-signing with me on first two vehicles
This post was edited on 2/12/16 at 3:25 pm
1
Posted on 2/12/16 at 5:40 pm to McCaigBro69
I've seen articles where some companies are looking at different items other than your current credit history to either replace or supplement their current models.
One is based on your friends on Facebook ( LINK)
I really dislike this idea, as I think it would be awfully unfair to someone like me who went to a poor public school in MS where my friends from that school haven't had near the success that I've enjoyed.
SoFi is taking an unique approach where they gauge your earnings potential by where you went to school, what your GPA was, what you majored in, and what career path you could be following. ( Link)
I support this idea as I currently make a decent salary, as my income should double in the next 4 years and continue to grow over my working life as I move up.
One is based on your friends on Facebook ( LINK)
I really dislike this idea, as I think it would be awfully unfair to someone like me who went to a poor public school in MS where my friends from that school haven't had near the success that I've enjoyed.
SoFi is taking an unique approach where they gauge your earnings potential by where you went to school, what your GPA was, what you majored in, and what career path you could be following. ( Link)
I support this idea as I currently make a decent salary, as my income should double in the next 4 years and continue to grow over my working life as I move up.
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