• Moderators, please send me a PM if you are unable to access mod permissions. Thanks, Habsy.

The Motherfucking 2021 Season Thread

CH1

The Artist Formerly Known as chiggins.
Actually that's not necessarily true, as I believe excessive credit inquiries and excessive outstanding credit do actually bring your score down. But I don't know by how much. I was just tagging on Presty's claim that he was willing to destroy his score.

What I'm saying is that your beliefs have nothing to do with the complex algorithms involved in credit score calculations.
 

LeafOfFaith

Well-known member
Again, I'm just commenting on Presto's statement about being willing to kill his credit.

I obviously don't know how much or how little churning does to that other than what he's saying right here now.
 

CH1

The Artist Formerly Known as chiggins.
So much so, that one shop (ie Transunion) can give you a substantially different score than another shop (Equifax) even though they are looking at the identical data.
 

Preston

The Artist Formerly Known as Goldust
Again, I'm just commenting on Presto's statement about being willing to kill his credit.

I obviously don't know how much or how little churning does to that other than what he's saying right here now.
Folks. I'll take bucket loads of cold hard free cash over a super elite credit score any day. I'm comfortable with my penis size. I don't need to have the bestest credit score ever so I can do nothing with it.
 

CH1

The Artist Formerly Known as chiggins.
Again, I'm just commenting on Presto's statement about being willing to kill his credit.

I obviously don't know how much or how little churning does to that other than what he's saying right here now.

Presto's exaggeration score can be pretty high....if he was checking, it means he had some regard for it...and did not want to see it go to zero!

protip: you can't churn if nobody is willing to give you a credit card because your credit score sucks
 

mbow30

Well-known member
When the pandemic is over I'll take you on a first class flight to Italy and we can discuss it on the way there.

Last time I was In Italy all I would ask for in restaurants was chicken parm and fettuccini Alfredo with unlimited salad and breadsticks and couldn’t find that ANYWHERE. Never going back. They don’t get authentic Italian like the Americans
 

mbow30

Well-known member
But that's not quite the analogy.

You can afford to have a nice lunch, but you don't get comped - you skip out on the bill.

Why would you risk the embarrassment and legal consequences if you can just put down the $20?

Why be willing to destroy your credit score if you can pony up for extravagant travel with a couple of Bezos grains of rice.

Credit scores are a function of the man and Presto = system rebel.

He’s a real life beleafer.
 

LeafOfFaith

Well-known member
So much so, that one shop (ie Transunion) can give you a substantially different score than another shop (Equifax) even though they are looking at the identical data.
Yeah, that always made no sense to me. And some places only look at Transunion because it's apparently the more punitive one.
 

CH1

The Artist Formerly Known as chiggins.
Last time I was In Italy all I would ask for in restaurants was chicken parm and fettuccini Alfredo with unlimited salad and breadsticks and couldn’t find that ANYWHERE. Never going back. They don’t get authentic Italian like the Americans

Next time, try the really nice Subway by the Spanish Steps
 

Preston

The Artist Formerly Known as Goldust
Presto's exaggeration score can be pretty high....if he was checking, it means he had some regard for it...and did not want to see it go to zero!

protip: you can't churn if nobody is willing to give you a credit card because your credit score sucks
Yeah if it went to shit I'd know as I'd get declined for everything. Then I'd regroup, boost my credit score and...

Probably do it again.
 

Preston

The Artist Formerly Known as Goldust
is that a lifetime ban?
Nah but apparently other folks who got canceled and tried to reapply got canceled again. Last I checked at least, which was a few months ago. Maybe that changed.

In any case I'm in no rush.
 

Preston

The Artist Formerly Known as Goldust
I particularly love their fresh organic fruits and vegetables. Very beautiful products. Extremely organic.
 

CH1

The Artist Formerly Known as chiggins.
their organic toilet paper has been a revelation during Covid

#nevergoingback2processedpaper
 

Preston

The Artist Formerly Known as Goldust
Very important to support your local corporations. I only shop at Loblaws and Walmart. #supportlocal
 
Top