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Started By
Message
re: Buying a home is easier if you're white
Posted on 2/9/15 at 7:55 am to Will Cover
Posted on 2/9/15 at 7:55 am to Will Cover
REVERSE OUTRAGE 
0
Posted on 2/9/15 at 7:55 am to dinosaur
quote:
A high percentage of whites tend to live by that old pay your bills, get a job, save a little money.
white privilege
especially the credit rating system, created by white people, that rewards white cultural values
this is systematic racial discrimination in action
This post was edited on 2/9/15 at 7:56 am
Posted on 2/9/15 at 7:59 am to CAD703X
I couldn't buy a house last year because I had no credit. Owned four cars outright but had not bought anything on credit since my divorce in 05.
Posted on 2/9/15 at 8:01 am to madamsquirrel
quote:
since my divorce in 05
Pics?
Posted on 2/9/15 at 8:01 am to dinosaur
quote:
A high percentage of whites tend to live by that old pay your bills, get a job, save a little money
Check your privilege!!!!
Posted on 2/9/15 at 8:04 am to CAD703X
quote:
Posted by CAD703X
Dave Ramsey's credit score is ZERO
Seriously.
He doesn't use credit.
What about his multiple bankruptcies?
Posted on 2/9/15 at 8:04 am to Will Cover
This guy says that credit scores a racist.
Posted on 2/9/15 at 8:33 am to Will Cover
Man...dumb...it's because their credit blows, no education, no job, running from bills.....who made this thread? Sharpton is that you?
Next thing you know, because we eat more vanilla ice cream, we are racist because we don't get chocolate enough...get the frick out of here
Next thing you know, because we eat more vanilla ice cream, we are racist because we don't get chocolate enough...get the frick out of here
This post was edited on 2/9/15 at 8:35 am
Posted on 2/9/15 at 8:42 am to sharkfhin
I work in the credit dept of a bank and have to pull credit reports almost daily.
You can call it culture or whatever, but for some reason black people (moreso than whites) just do not care about paying their bills on time. This is even for folks that have money (or should have the money - I have their tax returns) to pay timely.
I just think theres an old school mentality where they care much more about the money in their pocket than their creditors getting paid right on time. They just dont see their credit score as having much importance.
You can call it culture or whatever, but for some reason black people (moreso than whites) just do not care about paying their bills on time. This is even for folks that have money (or should have the money - I have their tax returns) to pay timely.
I just think theres an old school mentality where they care much more about the money in their pocket than their creditors getting paid right on time. They just dont see their credit score as having much importance.
Posted on 2/9/15 at 8:44 am to Will Cover
Everything is easier if you are white. Except maybe staying alive in the ghetto.
Posted on 2/9/15 at 8:49 am to Will Cover
Could it be that white people generally engage in behaviors more consistent with meeting the financial criteria that lending institutions require? I know many black and Hispanics who work in the mortgage industry and the only color they care about is green.
Posted on 2/9/15 at 8:49 am to Will Cover
I pull scores, for applicants on new and used mobile homes. Actually saw a guy Saturday that was 800+, I'm sure that's the highest I'll see here. As you can probably imagine, some of our applicants are pretty miserable cases 
It's always a pleasant surprise when I pull someone who's over 700.
ETA: And about 75% of our shitty turn down applicants are white. (I can tell because they have to submit photo ID with the app).
It's always a pleasant surprise when I pull someone who's over 700.
ETA: And about 75% of our shitty turn down applicants are white. (I can tell because they have to submit photo ID with the app).
This post was edited on 2/9/15 at 8:51 am
Posted on 2/9/15 at 8:50 am to Will Cover
quote:
Buying a home is easier if you're white
And buying a home if you're Asian is easier than if you're white...
Posted on 2/9/15 at 8:55 am to CAD703X
quote:
Dave Ramsey's credit score is ZERO
quote:
He doesn't use credit.
Woah woah woah. So you are telling me a millionaire, a couple of times over, not using credit is amazing?
Would be impressed if he didn't have to file bankruptcy to figure out his secrets of pandering to morons who can't understand basic economics.
Posted on 2/9/15 at 8:59 am to fightin tigers
quote:
Woah woah woah. So you are telling me a millionaire, a couple of times over, not using credit is amazing?
i'm not saying anything other than his credit score is zero.
as for the bankruptcies..i'm guessing statue of limitations has expired on those..what is it...10 years?
Posted on 2/9/15 at 9:00 am to fightin tigers
So frustrating to see people who are otherwise very intelligent hang on to this guy's every word because he somehow was appointed or construed as the financial guru for Christians.
Posted on 2/9/15 at 9:01 am to SlowFlowPro
quote:
especially the credit rating system, created by white people, that rewards white cultural values
exactly. they should have an 'altenrative' FICO score for people of color.
their background is different than white people so its completely unfair to subject them to the same standards.
Posted on 2/9/15 at 9:02 am to Team Vote
quote:
So frustrating to see people who are otherwise very intelligent hang on to this guy's every word because he somehow was appointed or construed as the financial guru for Christians.
if you listen to him ONE TIME for 15 minutes you get it. cant comprehend how anyone could continue to listen to him over and over for hours
Posted on 2/9/15 at 9:02 am to Will Cover
Mortgage denial rates are irrelevant. The statistics you need to show discrimination would be black and white applicants with similar credit scores and incomes.
Posted on 2/9/15 at 9:04 am to udtiger
quote:
I wonder what the average score or income was
Anything to turn it into a race issue. That has nothing to do with the color of your skin. They Only care about your income and if you pay your bills on time. White people can't help it if blacks or Hispanics aren't responsible enough to pay their bills on time. Next, they will be blaming whites for slavery
This post was edited on 2/9/15 at 9:06 am
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