1938 Packard

I live in a place where people fill in a "free" raffle entry form for a chance to win an astoundingly expensive car. Read the fine print: You're giving them permission to inundate you with call after call from some shitbag pushing time shares. The same booth and car are on the promenade every summer, even in 2019. Yup... Soon as the weather starts getting warm.

They're about the same, Nucky.

Not Tyson?

Which one? The Iron Mike I mean was an unemployed boiler mechanic in the 1930's.

If they call you between 10 pm and 5:30 am, they want you to buy a time share.

Did you see the fender decal that goes with that? "Loud pipes save lives"

Yay for Iron Mike.

You really think so? What's the difference between paying rent in this apartment and making a mortgage payment in a modest house? Hint: Bro isn't paying my rent.

You really equate cigarettes with oxies?

I'm supposed to be dead? Iron Mike strikes again.

Oxies should be banned as well, but the legislature is blind to its level of destruction. At least alcohol gives people a fair shake at quitting.

I'm just a guy who had three mortgages at different times. Yes, I can buy a house.

So,, you found your tape worm infection... Congratulations.

So, does your mother have access to any credit applicant's driving record? The credit reporting agencies do.

You probably don't even know what the risk factors are. Hint: Most of them have nothing to do with your financial activities.

The Bayview Inn motel in West Atlantic City, NJ had been featured on the YouTube series, "Another Dirty Room". Total shit hole. Later, a major drug raid on the property led to its closure. It never reopened. Squatters had set fire to it twice since the closure. More recently, the city had planned to put the property up for auction with a minimum bid of $600k. However, the building has been deemed unsafe and a new plan to demolish it is under way. So, when a 100 unit motel is only valued at $600k, what is the vacant lot worth?

No, they don't.

You're making a claim that credit reporting agencies don't calculate risk factors (high risk behavior) into credit scores. The lenders only read the scores, income and debt to asset ratio. They don't have access to risk behavior analysis. Only the reporting agencies do. I have filed for AND RECEIVED three mortgages in my lifetime. In no case did the LENDERS look at more than my score, income and debt to asset ratio. The reporting agencies look deeper and won't share their entire formula with the lenders. This is why two people who have identical patterns of paying bills in full and on schedule could have two radically different scores.

It's getting done incrementally. It's not hyperbolic to say it started with pot, graduated to other hallucinogenic plants and will some day graduate to things like heroin, lsd and cocaine. It gives a whole new meaning to the phraseI, "drug store". Coming soon to a neighborhood near you.

Was she at all affiliated with Transunion or another credit reporting agency? Or, was she just reading the scores that were presented to her without bothering to check for risk factors?

Knowing real estate does not equal knowing credit.

There's another factor involved that most people don't consider. The people who calculate scores think that when you relocate too often, you're likely to end up moving into place that you really can't afford and start skipping out on any debt payments. They're not just looking at what you are actually doing with your credit, they are also taking guesses at you are likely to do, based on long term observations of people who behave similarly. While handling your credit responsibly can win a high score for you, part of your score is also calculated based on perceived risk factors.

Packing up and moving every two years lowers your credit score.

Drinko de Mayo?

That's the way Olive Garden serves it.