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this post was submitted on 25 Jul 2024
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A Boring Dystopia
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I'm not super familiar with adoption but I'm pretty sure there's no buying/selling going on. There are costs with adopting a child but those are costs for the process, not the child itself.
And the credit rating one I can certainly get behind but some of it sounds like BS. I've never paid interest on credit cards and my rating was good enough to get the best possible rate when I purchased my home. There was quite a significant time between the start of my credit history and the purchasing of my home. At least 15 years. My credit rating hasn't changed significantly in years though.
It is. There's no change to your credit rating or report over whether or not you paid interest. It's not even a reported statistic. At best, you could argue that if they see the credit utilization is low and your payments are always on time that you probably don't pay a lot of interest, but that is a typical indication of good credit.
It's more likely that they had one credit card and not that long of a credit history with it.
One credit card. Low credit limit. No loans ever. All the lender sees is a responsible poor person.
Good thing your personal experience is the exact same as everyone else's right?
I mean, I don't think the credit agency is treating me different, so yea. In this case it really should be.