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Anon on credit scores
(sh.itjust.works)
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this post was submitted on 23 Oct 2023
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usually I love to shit on muricans, But Germany has something similar. A private company called "Schufa". This private company secretly calculates your credit score (no one knows realy how they calculate it) which determines if you get an apartment (for rent) or not. Living in the wrong street already kills your credit score here.
If the Schufa doesnt have information about you, it counts as negative.
As someone, who loves dunking on the Schufa, as any good German should. The Schufa-Score isn't nearly as insane as some American credit score systems. Having an registered checkingsaccount & no outstanding bills or debt payments is enough data to have a high score.
You don't need to repay debt to show, that you are able to.
Credit scores are the West's social credit system.
If we value our freedom from a controlling, oppressive system, then we should penalize the creation, selling, buying and usage of credit score data. And we should keep on top of it to include any emerging attempts to re-establish an equivalent system.
I wish we Americans had more backbone to push back on corporate enshitification in general.
Living on the wrong street? What does that entail?
Drug dealing, wrong skin colored neighbors, rabid squirrels stealing food from your kitchen... you know "the wrong street".
TIL there are streets in Germany one can be homeless in, and it doesn't affect your credit score.
(I'm joking about your usage of "in" as opposed to "on", immediately following talking about not getting a place to live)
Huh?
I was saying that renting an apartment in the wrong street is a factor for a bad credit score here in Germany.
Edit: you can't move into another apartment with a bad creditscore
I think they were making a grammatische joke.
So instead of being racist to just Americans, you're being racist to both Americans and Germans?
Let me guess, you are a murican?
Why yes, I am a proud american. Why do you ask?