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Started By
Message
How about a 3 year, 400 point credit hit for missing rent/mortgage or cashing COVID check
Posted on 4/1/20 at 12:56 pm
Posted on 4/1/20 at 12:56 pm
There has to be a penalty for not being financially responsible and saving enough to last you at least 1 freaking month.
Seems we are short-sighted and want to bail irresponsible people out every single time chicken little thinks the sky is falling.
People who can't manage to go a month or two need to be reevaluated about their credit worthiness. Would you accept a bailout if it would hurt your credit for the next 3 years?
Would you
Seems we are short-sighted and want to bail irresponsible people out every single time chicken little thinks the sky is falling.
People who can't manage to go a month or two need to be reevaluated about their credit worthiness. Would you accept a bailout if it would hurt your credit for the next 3 years?
Would you
43
Posted on 4/1/20 at 12:56 pm to Kujo
And the businesses irresponsible enough to not do the same?
Posted on 4/1/20 at 12:56 pm to Kujo
So you think people should be fricked over even more
Posted on 4/1/20 at 12:57 pm to Kujo
:sighs:
This post was edited on 4/1/20 at 12:57 pm
Posted on 4/1/20 at 12:57 pm to Kujo
People who can pay their mortgages, car notes, credit cards, etc during this time should be rewarded with something.
Posted on 4/1/20 at 12:57 pm to Kujo
I own my house and 3 cars.
I don't need good credit for a while.
I don't need good credit for a while.
Posted on 4/1/20 at 12:57 pm to Kujo
quote:
People who can't manage to go a month or two need to be reevaluated about their credit worthiness.
You don't think those types already have terrible credit?
Posted on 4/1/20 at 12:57 pm to Kujo
Oh for frick's sake. 
Posted on 4/1/20 at 12:58 pm to Kujo
And you need to chill for a bit. You are full of terrible takes today.
Posted on 4/1/20 at 12:58 pm to Kujo
quote:
There has to be a penalty for not being financially responsible and saving enough to last you at least 1 freaking month.
Seems we are short-sighted and want to bail irresponsible people out every single time chicken little thinks the sky is falling.
People who can't manage to go a month or two need to be reevaluated about their credit worthiness. Would you accept a bailout if it would hurt your credit for the next 3 years?
Would you
Shut up, stupid.
Posted on 4/1/20 at 12:58 pm to transcend
quote:
businesses irresponsible enough to not do the same?
YES! Credit risk downgrade for 3 years too. Means their credit lines will dry up(be more expensive), certain mutual funds/pensions would not be able to own their stock.
Posted on 4/1/20 at 12:59 pm to Kujo
Yes.
The government should punish people more when the government forces them out of work
This makes sense.
The government should punish people more when the government forces them out of work
This makes sense.
Posted on 4/1/20 at 1:02 pm to Kujo
So everyone 750 and below is bottomed out?
Seems like an intelligent idea.
Dumbass.
Seems like an intelligent idea.
Dumbass.
Posted on 4/1/20 at 1:02 pm to LegendInMyMind
quote:
And you need to chill for a bit. You are ALWAYS full of terrible takes.
FIFY
Posted on 4/1/20 at 1:02 pm to The Truth 34
They will be. If you have steady income and savings through this your investments will pay off. Get cheaper stocks. Also I expect things to be less expensive worldwide due less supply of discretionary money.
If you gave cash on the sideline you will be able to get some real bargains this year.
If you gave cash on the sideline you will be able to get some real bargains this year.
Posted on 4/1/20 at 1:03 pm to Salmon
OP is a legit serial killer type weirdo
This thread isn’t surprising
This thread isn’t surprising
Posted on 4/1/20 at 1:06 pm to Kujo
Oh look, another Financial Nanny wagging that Nanny finger at his lessers. Solid lecture and even better condescension for your countrymen. I’m trying to imagine what it’s like to see your neighbors struggling and immediately go into Look How Awesome I Am mode.
Posted on 4/1/20 at 1:09 pm to Kujo
quote:
There has to be a penalty for not being financially responsible and saving enough to last you at least 1 freaking month.
You do realize that some people were facing crises or emergencies prior to this, right? People get sick, lose jobs, have accidents every fricking day. So, those people who have been struggling or were using their "rainy day funds" to deal with their standard-regular rainy days are now facing government imposed rainy days.
So you can just frick right off if you think that just because you weren't facing/dealing with something prior to this that no one else was.
This post was edited on 4/1/20 at 1:19 pm
Posted on 4/1/20 at 1:11 pm to Lsupimp
quote:op is an idiot but people do need to be shamed for being so unprepared
Oh look, another Financial Nanny wagging that Nanny finger at his lessers. Solid lecture and even better condescension for your countrymen. I’m trying to imagine what it’s like to see your neighbors struggling and immediately go into Look How Awesome I Am mode.
Posted on 4/1/20 at 1:12 pm to Kujo
The credit agencies and experienced lenders take a look at lots of things when people apply for credit, including job situation, circumstances, score, etc. etc.
We don't need to order them to lower someone's credit score as some sort of punitive measure.
We don't need to order them to lower someone's credit score as some sort of punitive measure.
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