Fuck em, fuck the credit score

[dickfiasco@lemm.ee]

Credit score golf.

[spacenoodle@lemmy.world]

The trick is to hold credit using one identity, and have all the bills you won't pay tied to another.

[scrubbles@poptalk.scrubbles.tech]

I mean, you do you, but my mother took the same approach and she can't buy a car, gets routinely denied for apartments, and generally has zero trust with any bank. You don't have to like the system, but the only person you hurt by fighting against it is yourself.

[baggins@lemmy.ca]

Why don't you want to pay your bills?

[deegeese@sopuli.xyz]

It’s not a bad strategy if used sparingly. Derogatory notes fall off your credit report after 7 years.

I strategically defaulted a CC in early adulthood and by the time I needed a mortgage was back in the 800s.

[cm0002@lemmy.world]

Like @[email protected] says, I fairly strategic about it. It's mostly medical debt that can't even go on the credit report anymore and maybe a store credit card or 2 that was used to replace the AC. I also generally make sure to pay the bills to banks that are known to actually take people to court e.g. Capital One

[cm0002@lemmy.world]

It's mostly medical debt, fuck the healthcare industry

[edgemaster72@lemmy.world]

Seems legit

[fartswithanaccent@fedia.io]

want

You're assuming a whole hell of a lot, odds are good they fucking can't!

You're also assuming that the debt is valid, which is often not the case with medical debt: Shit gets billed wrong, patients may not even receive notice, and by the time it gets to the collection agency, they may not be in a position to contest it.

Glad you're lucky enough that this has never been a problem though, congratulations on your good fortune. You may fancy yourself a self made success, but that is an illusion: Unless you're independently wealthy (perhaps, even if you are), you're only one bad day away from joining those people.

Never forget that.

[sanctus@lemmy.world]

I dont pay medical bills that dont get passed to me at the hospital. I recently paid for an ER visit and ambulance ride, only to be sent a collection for the same exact bill 2 months later.

[baggins@lemmy.ca]

You sure are making a lot of assumptions.

[glowie@h4x0r.host]

People want things for free without consequence

[suixi3d@fedia.io]

People deserve a comfortable life without being under the yoke of some bill collectors.

[greenknight23@lemmy.world]

I argued with a provider about sending me a bill.

they kept sending me emails. told them I don't get them and they need to send me a paper bill in the mail.

this went on at least once a week for three months.

finally, they relented and sent me a hand written bill on company letterhead. the letter gave me a URL to pay it.

I sent a check back to the return address.

haven't heard from them in three months.

[cm0002@lemmy.world]

Yea like healthcare, how horrible of me to want a basic human need to live to be free

[glowie@h4x0r.host]

Someone has to pay for it. Also the "free" healthcare isn't what it's hyped to be. Have fun waiting for near eternity or being denied a hip replacement.

[glowie@h4x0r.host]

Why do they deserve it?

[suixi3d@fedia.io]

Because they’re human beings. We all deserve that much.

[cm0002@lemmy.world]

Have fun waiting for near eternity or being denied a hip replacement.

Classic right-wing propaganda, you have been tagged.

It's actually terrible here in America as far as wait times go compared to EU countries

[glowie@h4x0r.host]

loool is the right winger in the room with us now?

Classic cop-out. Not a right winger and not living in America.

I have actually experienced the "free" healthcare, unlike your pipedream. And if the American government works so beautifully as it does then I know if they ever tried it the system would be the most glorious disaster ever seen.

Take it from me, you're better off leaving the US of A then ever seeing a good-working system.