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Anon tries to understand credit scores (sh.itjust.works)

submitted 3 days ago by Early_To_Risa@sh.itjust.works to c/greentext@sh.itjust.works

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[-] partial_accumen@lemmy.world 1 points 2 days ago

One arguably unjust part about credit scores is that the actions of people related to you, or simply sharing the same surname as you, can affect it! E.G i have heard that a friend-of-a-friend’s dad took out too many loans and now their credit score suffers.

You're mixing things here that led you to a wrong conclusion.

Credit scores are based upon credit events. The credit events come from your credit report which is separate from your credit score. The only things on your credit report should be your credit events. Not someone with the same name, nor someone from your family. If either of those things are on your credit report, that is and error you need to go through the paperwork process to get those removed from your credit report.

this post was submitted on 27 Dec 2025

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