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[-] TheSambassador@lemmy.world 1 points 2 years ago

Sure, the credit agency doesn't see it, but the person I'm talking to at the bank to get a loan can see it when I show it to them. But it doesn't matter and they only really seem to care about the credit score.

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

My guess is that the bank may start with the credit score, and if its below a threshold the bank is willing to lend to, then they don't look any further. Unless you have a truly egregious credit history, you'll likely find other lenders more interested in your business.

Most companies don't want every customer. There are those that only want the safest customers because they have the lowest risk, and that may mean you might get declined even if you would otherwise have the means to service the debt.

this post was submitted on 15 Feb 2024
1657 points (98.8% liked)

Microblog Memes

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A place to share screenshots of Microblog posts, whether from Mastodon, tumblr, ~~Twitter~~ X, KBin, Threads or elsewhere.

Created as an evolution of White People Twitter and other tweet-capture subreddits.

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  1. Your post must be a screen capture of a microblog-type post that includes the UI of the site it came from, preferably also including the avatar and username of the original poster. Including relevant comments made to the original post is encouraged.
  2. Your post, included comments, or your title/comment should include some kind of commentary or remark on the subject of the screen capture. Your title must include at least one word relevant to your post.
  3. You are encouraged to provide a link back to the source of your screen capture in the body of your post.
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