Language Filter Is Crap

[Etiken]

Bad credit is not better than no credit, but I get what you are saying lol.

[Kaedan94]

Bad credit is not better than no credit...

Yes, it is. Ask any Credit Card company or Loan Officer. Between a customer with bad credit and one with no credit, they'll always favor the bad credit customer, and the bad credit customer stands a better chance of getting the loan or credit card than the no credit customer.

But in any case, I'm glad you get what I was saying. ^_^

[Etiken]

Yes, it is. Ask any Credit Card company or Loan Officer. Between a customer with bad credit and one with no credit, they'll always favor the bad credit customer, and the bad credit customer stands a better chance of getting the loan or credit card than the no credit customer.

But in any case, I'm glad you get what I was saying. ^_^

I wont continue past this post as to not get horribly off topic, and because this thread is horrible to begin with but, asking a credit card company or loan officer if it is better to be in debt or not in debt is probably the worst advice anybody could give. Of course they will tell you credit is important, they want your interest payments. Ill end this with one last comment to everyone.

YOU DO NOT NEED CREDIT! Save your money and pay cash. You will live a happier life.

[Nix]

YOU DO NOT NEED CREDIT! Save your money and pay cash. You will live a happier life.

Tried that when buying a house, apparently having 0 credit history at near 30 years old makes you a risk, even if you can prove that you are stable, and can cover the payments and then some... :x

But for everything else, yes I agree XD Credit is eeeeviiiil D:

[Kaedan94]

Tried that when buying a house, apparently having 0 credit history at near 30 years old makes you a risk, even if you can prove that you are stable, and can cover the payments and then some... :x

But for everything else, yes I agree XD Credit is eeeeviiiil D:

This. You won't get a loan for a house with no credit... and on the off chance you do, it will be at high interest. You'd actually stand a better chance and get a lower interest rate with bad credit.

Oh, and to the previous poster I agree that credit is evil. I at no point advocated credit... don't know where you got that idea.

In any case, I only brought it up to illustrate that and ESRB "No rating" is often considered worse than Mature or Adult Only, similar to credit ratings. Shouldn't take this any more off topic.

[Etiken]

snip

hahaha for sure, I hear yuh. <3