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I mean, to be clear, we have a kludge for credit(that’s what a credit score is). Information on how to feed yourself is widely available and you can usually tell when someone uses it. Employment I’ll grant you is harder, but still.
That you need a credit score to function in society as a whole should be illegal.
Yes, yes, I know, I know. I'm very well aware of how and why credit score functions. I get it.
I was still very well put out when I had to go purchase a new car unexpectedly, only to have the guy who went to check my finances come out and stare at me like I was some lost crytpid and blurt out 'You have no credit score.'
Yes, because I grew up around adults who abused credit cards and paid the consequences and who had no desire to go down that road, thank you very much. Only to find out late that, gee whillickers, if you want to function as an adult in society for some things, you actually need a credit score, and for that, you need a credit card.
Why, yes, I'm still salty about that. How could you tell?
(And before you ask, all my previous vehicles were old, used, family hand-me-downs.)
Boo hoo- credit scores show good breeding and conventionality. Of course people want to see them. Wouldn’t you?
I'd rather live in a society that I don't need to borrow to function, thanks.
Were you trying to purchase the car straight-up full cost and they still wouldn't sell it to you ? Or were you trying to get financing on it?
Financing.
As an aside, it's really flattering that you guys think I'm successful enough to just buy a car outright when needed. I wish.
In the end, I just had my father co-sign the note with me, which is something that's done when you either have no credit or bad credit. Not great, but not terrible.
I'm confused as to why you're annoyed about the existence of a "risk of lending money" rating when you would also like to to be leant money.
It's like being mad that traffic lights exist but also wanting to drive on a road without getting t-boned. Credit scores enable institutions to lend you the money to get the car you want, and keep overall borrowing costs lower for you!
It’s annoying when ‘I am very careful about borrowing money’ gets interpreted as ‘I am a bad credit risk’. One understands why but it’s still insulting.
“It’s annoying when ‘I am very careful about not creeping out women’ gets interpreted as ‘I am a bad boyfriend risk’.”
In most domains of life, the only way to credibly demonstrate capability and low risk is to have a track record of actually undertaking that activity successfully. If you were in a place to loan out thousands of dollars to a stranger, you’d want to see a credit history too.
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