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UnevenEdge
Athena 92

Trying to find a house for rent

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2 minutes ago, 1938 Packard said:

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.

giphy.gif

Lenders have the same view of ris--......you know what.....it's just easier to say "Shut the fuck up, Packard. You're a fucking idiot" and move on.

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4 minutes ago, lupin_bebop said:

giphy.gif

Lenders have the same view of ris--......you know what.....it's just easier to say "Shut the fuck up, Packard. You're a fucking idiot" and move on.

No, they don't.  

 

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5 hours ago, 1938 Packard said:

No, they don't.  

 

I believe my mom over you. She may be a whore and shitty person, but she's good at her job.
So.....just shut the fuck up.

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19 minutes ago, lupin_bebop said:

I believe my mom over you. She may be a whore and shitty person, but she's good at her job.
So.....just shut the fuck up.

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

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Just got off the phone with your brother:  he confirms your credit is amazing and he has plans.

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1 hour ago, 1938 Packard said:

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

"God, I hope this person doesn't get married or procreate."

--My mom about your idiocy

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4 minutes ago, lupin_bebop said:

"God, I hope this person doesn't get married or procreate."

--My mom about your idiocy

If your mom ever sees him, she won't be worried about that at all.

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16 minutes ago, lupin_bebop said:

"God, I hope this person doesn't get married or procreate."

--My mom about your idiocy

So, does your mother have access to any credit applicant's driving record?

 

The credit reporting agencies do.

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On 5/9/2019 at 5:09 PM, 1938 Packard said:

So, does your mother have access to any credit applicant's driving record?

 

The credit reporting agencies do.

Equifax has a spy tailing you.  They know you fuck middle schoolers.

Edited by scoobdog

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