Tale of Two Tailors (updated)

[smiradenius]

Just now, André Toulon said:

You're the one who need a lesson in how the internet works

They're not related.  

[André Toulon]

43 minutes ago, smiradenius said:

They're not related.  

They are but you're too busy trying to be better than someone who pities you to see how badly you're being fucked with.

[scoobdog]

5 hours ago, smiradenius said:

You're the who seriously needs credit counseling here.

Not with a 640.  Your 800+ scores only indicate you don’t own anything of value, like property.

Good luck trying to use your scores for what they’re good for, namely getting a loan.

[smiradenius]

Would you just look at that?  Hey, would you reckon this is the handiwork of some tailor who really understands the root word of, "customer"?

[1pooh4u]

No need for a new thread for something discussed in another. Hideous bag btw

 

[smiradenius]

2 minutes ago, 1pooh4u said:

No need for a new thread for something discussed m another. Hideous bag btw

 

I prefer to call it, singularly unique.  Just the perfect thing for distinguishing from other baggage on the carousel.  It's unmistakable. 

[1pooh4u]

Just now, smiradenius said:

I prefer to call it, singularly unique.  Just the perfect thing for distinguishing from other baggage on the carousel.  It's unmistakable. 

It’s hideous. Use a luggage tag like an actual adult. 

[smiradenius]

On 1/1/2025 at 7:16 PM, scoobdog said:

Not with a 640.  Your 800+ scores only indicate you don’t own anything of value, like property.

Good luck trying to use your scores for what they’re good for, namely getting a loan.

But haven't I already taken two mortgages in my own name at different times? When all the payments are made on schedule, the score rises.

 

Furthermore, I don't waste any time or effort on minimum payments for credit cards.  I never "carry a balance".  I charge a thing or two and pay off the entire amount due each and every month.  That also raises the score.  Then, there was the $3k personal loan I took out in 2023.  I paid it off in less than two months.  Score raised again.  

Edited Saturday at 06:39 PM by smiradenius

[smiradenius]

1 minute ago, 1pooh4u said:

It’s hideous. Use a luggage tag like an actual adult. 

You can't see a luggage tag when it's mixed in with hundreds of others exactly like it... unless you want to spend an hour or more, pausing to lift and read them one by one.  It's like looking for that four leaf clover in a quarter acre field. 

[scoobdog]

46 minutes ago, smiradenius said:

But haven't I already taken two mortgages in my own name at different times? When all the payments are made on schedule, the score rises.

 

Furthermore, I don't waste any time or effort on minimum payments for credit cards.  I never "carry a balance".  I charge a thing or two and pay off the entire amount due each and every month.  That also raises the score.  Then, there was the $3k personal loan I took out in 2023.  I paid it off in less than two months.  Score raised again.  

Your name was on a mortgage document, you didn’t actually take out a mortgage.  No bank will fall for that bullishit if they’re giving you money.  Now if your brother wants to use your name again and then murder you this time, your credit score is absolutely perfect.

[smiradenius]

Just now, scoobdog said:

Your name was on a mortgage document, you didn’t actually take out a mortgage.  No bank will fall for that bullishit if they’re giving you money.  Now if your brother wants to use your name again and then murder you this time, your credit score is absolutely perfect.

His name was NOT on the mortgage.  Mine was the one and only name on it.

[scoobdog]

Just now, smiradenius said:

His name was NOT on the mortgage.  Mine was the one and only name on it.

That’s the plan, bitch.

[smiradenius]

Just now, scoobdog said:

That’s the plan, bitch.

The plan of what?  Since then, he improved his employment and income and then paid off the entire amount.  I'm no longer in that picture and now, the whole house is his.  If I choose later to buy one, I'm all set. 

[André Toulon]

1 hour ago, 1pooh4u said:

No need for a new thread for something discussed in another. Hideous bag btw

 

Imagine how his home looks since he had to snap that pic at the laundromat.

I assume after washing the human DNA from it 

[1pooh4u]

Just now, André Toulon said:

Imagine how his home looks since he had to snap that pic at the laundromat.

I assume after washing the human DNA from it 

I imagine he lives like those people in hoarders 

[André Toulon]

1 minute ago, 1pooh4u said:

I imagine he lives like those people in hoarders 

Likely. Just collecting old bullshit then looking for a pawn shop or tailor who thinks he's homeless that's willing to help the rattail vagrant out.

[smiradenius]

19 minutes ago, André Toulon said:

Imagine how his home looks since he had to snap that pic at the laundromat.

I assume after washing the human DNA from it 

That laundry room is downstairs from here.  The public one is five blocks away.

[smiradenius]

17 minutes ago, André Toulon said:

Likely. Just collecting old bullshit then looking for a pawn shop or tailor who thinks he's homeless that's willing to help the rattail vagrant out.

That patch job set me back seventy bucks.

[1pooh4u]

4 minutes ago, smiradenius said:

That patch job set me back seventy bucks.

[André Toulon]

What he thinks: people will see the Chinese dragon and think I'm worldly.

What people think: I think that might be a pedophile....don't take any candy from him, Chandler.

[1pooh4u]

How someone can make an image of a Volkswagen Bus give off predator vibes is astonishing, but here we are in this thread and it’s happening 

[smiradenius]

1 hour ago, André Toulon said:

What he thinks: people will see the Chinese dragon and think I'm worldly.

What people think: I think that might be a pedophile....don't take any candy from him, Chandler.

What actual people think:  zero thoughts given.  

 

Do you think everyone around you is a judgemental busybody?

[smiradenius]

2 hours ago, 1pooh4u said:

I imagine he lives like those people in hoarders 

Try the wacky contraption thread.  Pics not taken in the laundry room.

[André Toulon]

59 minutes ago, 1pooh4u said:

How someone can make an image of a Volkswagen Bus give off predator vibes is astonishing, but here we are in this thread and it’s happening 

Lmao, the busiest, most judgmental body to ever grace these boards is implying judgemental busybodies don't exist. 

[1pooh4u]

23 minutes ago, André Toulon said:

Lmao, the busiest, most judgmental body to ever grace these boards is implying judgemental busybodies don't exist. 

Cigarette smoke has no smell 😆

[SwimOdin]

Ah.

[SwimOdin]

Also this is neat:

[André Toulon]

Bro dafuq 🤣

[SwimOdin]

I wanted to see if it would keep saying it. It did.

[discolé monade]

that was like flicking the light switch up and down to see why the light won't go on.

 

[scoobdog]

11 hours ago, smiradenius said:

The plan of what?  Since then, he improved his employment and income and then paid off the entire amount.  I'm no longer in that picture and now, the whole house is his.  If I choose later to buy one, I'm all set. 

You didn’t actually have a mortgage, you don’t own the property and you didn’t actually make any payments, and banks know that.  Experian doesn’t give a shit - they’re selling a service to slumlords and used car lots.

On the other hand, your brother could sell your name to the mafia and you can become the titular head of a money laundering operation.  That would also look great credit report.

[smiradenius]

6 hours ago, scoobdog said:

You didn’t actually have a mortgage, you don’t own the property and you didn’t actually make any payments, and banks know that.  Experian doesn’t give a shit - they’re selling a service to slumlords and used car lots.

On the other hand, your brother could sell your name to the mafia and you can become the titular head of a money laundering operation.  That would also look great credit report.

My name was the one and only on both the mortgage AND the deed.  My mortgage, my title.  No other names were mentioned anywhere on the documents. 

[smiradenius]

17 hours ago, André Toulon said:

Imagine how his home looks since he had to snap that pic at the laundromat.

I assume after washing the human DNA from it 

You aware, of course, that apartments are subject to periodic visits from code enforcement?  Nobody gets to stay in an apartment thirty years by being dirty.  Gotta keep it right or code guy has me kicked out.

[smiradenius]

[scoobdog]

13 hours ago, smiradenius said:

My name was the one and only on both the mortgage AND the deed.  My mortgage, my title.  No other names were mentioned anywhere on the documents. 

Not your mortgage.  And your name isn’t on the title you lying sack of shit… unless you’re paying your brother’s taxes for him out of your big fat settlement check.

[smiradenius]

13 minutes ago, scoobdog said:

Not your mortgage.  And your name isn’t on the title you lying sack of shit… unless you’re paying your brother’s taxes for him out of your big fat settlement check.

Where do you even come up with this shit?  How could it not have been my mortgage when mine was the SINGULAR name on it?  Not my brothers name, not William F. Buckley's name, not the man in the moon.... MINE!  Yes, that includes the title, no matter WHO or WHAT was paying the taxes on the place.  The only thing that matters is that the taxes WERE paid and those responsible for collecting that just simply DON'T CARE where the money came from. 

Edited yesterday at 02:55 AM by smiradenius

[discolé monade]

oh. i just saw that he pulled a comment in one of MY threads to prove some kind of 'gotcha' moment: patchwork edition.

dude. 

you are such a sad sad sad little man. 

that duffle bag is fucking heinous, and you should be ashamed of yourself. 

[smiradenius]

1 minute ago, discolé monade said:

oh. i just saw that he pulled a comment in one of MY threads to prove some kind of 'gotcha' moment: patchwork edition.

dude. 

you are such a sad sad sad little man. 

that duffle bag is fucking heinous, and you should be ashamed of yourself. 

Wtf are you mumbling about?

[scoobdog]

30 minutes ago, smiradenius said:

Where do you even come up with this shit?

Well, there’s this thing called common sense, but feel free to prove me wrong.
 

30 minutes ago, smiradenius said:

Not my brothers name, not William F. Buckley's name, not the man in the moon.... MINE!  Yes, that includes the title, no matter WHO or WHAT was paying the taxes on the place. 

I’ll give you two opportunities to prove me wrong.  Either there’s a property tax bill with your one and only name on it, or you have a deed with your one and only name on it.  Prove me wrong you by posting either here for us to see.   Remember, I know what your first and last initials are, so you can even block out most of your name with a sharpie.

[smiradenius]

1 hour ago, scoobdog said:

Well, there’s this thing called common sense, but feel free to prove me wrong.
 

I’ll give you two opportunities to prove me wrong.  Either there’s a property tax bill with your one and only name on it, or you have a deed with your one and only name on it.  Prove me wrong you by posting either here for us to see.   Remember, I know what your first and last initials are, so you can even block out most of your name with a sharpie.

Look, what makes it so hard for you to comprehend a guy earing $30k a year taking a $67k mortgage?

I maintained an immaculate use of credit cards, kept a proven record of adequate income for the size of the mortgage,  never had any accounts at all going into collections, no judgements ever made against me, and had some cash reserves in the bank.

Wtf do you think would have disqualified me?

 

But no, you're just going sit there thinking I have to dox myself.

[scoobdog]

53 minutes ago, smiradenius said:

Look, what makes it so hard for you to comprehend a guy earing $30k a year taking a $67k mortgage?

I maintained an immaculate use of credit cards, kept a proven record of adequate income for the size of the mortgage,  never had any accounts at all going into collections, no judgements ever made against me, and had some cash reserves in the bank.

Wtf do you think would have disqualified me?

 

But no, you're just going sit there thinking I have to dox myself.

Lol, you can’t dox yourself again.

What disqualifies you is the fact that not one cent left your bank account to pay for the mortgage with your name on it.  It doesn’t matter whose name is used to loan the money, although good luck trying that bullshit again.  The bank pulling your records knows you didn’t pay that loan.  They know you don’t have your name on any deed.  They look at your retirement and know your pension is below the poverty line not factoring your structured settlement.  And all they see is some threadbare schlub whose two bad months from living under the boardwalk.

You’re fucking poor and too dumb to know it.

[smiradenius]

11 minutes ago, scoobdog said:

Lol, you can’t dox yourself again.

What disqualifies you is the fact that not one cent left your bank account to pay for the mortgage with your name on it.  It doesn’t matter whose name is used to loan the money, although good luck trying that bullshit again.  The bank pulling your records knows you didn’t pay that loan.  They know you don’t have your name on any deed.  They look at your retirement and know your pension is below the poverty line not factoring your structured settlement.  And all they see is some threadbare schlub whose two bad months from living under the boardwalk.

You’re fucking poor and too dumb to dumb to know it.

That mortgage was taken out while I was still working.  You don't need to have more than three or four thousand in the bank to qualify, which is what I had at the time.   They were simply looking for the ability to make the payments.  At $30k per year on a $67k mortgage, that covered it, as well as the fact that I had already done it twice before... the very same way.

 

As for my pension, I'm worth more retired than working.  Current housing?  As long as I have this income, there is no month bad enough to put me out.

Edited yesterday at 06:20 AM by smiradenius

[scoobdog]

7 minutes ago, smiradenius said:

As for my pension, I'm worth more retired than working.

Lol.

[smiradenius]

1 minute ago, scoobdog said:

Lol.

Well, I'm certainly not any of those folks who only stayed five or seven years and cashed out.  Every hour I worked in thirty three years was more money pumped into it.  It adds up.

[scoobdog]

9 minutes ago, smiradenius said:

Well, I'm certainly not any of those folks who only stayed five or seven years and cashed out.  Every hour I worked in thirty three years was more money pumped into it.  It adds up.

You’re not making $30k a year in pension money.

[naraku360]

4 minutes ago, smiradenius said:

Well, I'm certainly not any of those folks who only stayed five or seven years and cashed out.  Every hour I worked in thirty three years was more money pumped into it.  It adds up.

Look dude, you almost exclusively value money, and your accomplishments aren't anything special.

There's nothing wrong with being satisfied with your life, but spending your time here to brag about how having a crappy job for 3 decades makes you brilliant and above everyone else only demonstrates how deeply dissatisfied with your choices you actually are.

You aren't here because you're successful. You're here to make yourself feel successful, while trying to drag everyone else down with you. It isn't the fault of anyone here that you regret your life choices and you're possibly the last person who could convince anyone here to settle.

[smiradenius]

2 minutes ago, naraku360 said:

Look dude, you almost exclusively value money, and your accomplishments aren't anything special.

There's nothing wrong with being satisfied with your life, but spending your time here to brag about how having a crappy job for 3 decades makes you brilliant and above everyone else only demonstrates how deeply dissatisfied with your choices you actually are.

You aren't here because you're successful. You're here to make yourself feel successful, while trying to drag everyone else down with you. It isn't the fault of anyone here that you regret your life choices and you're possibly the last person who could convince anyone here to settle.

None of what you say here is true.

 

 

[scoobdog]

Now he’s misusing Credit Karma….

[naraku360]

2 minutes ago, smiradenius said:

None of what you say here is true.

 

 

Yeah?

I pay my bills too.

Pretty sure most of us do.

Is there anything you want in life other than a good credit ascore?

[smiradenius]

Just now, naraku360 said:

Yeah?

I pay my bills too.

Pretty sure most of us do.

Is there anything you want in life other than a good credit ascore?

So, who are the creditors named in it?  You might find that mortgage.