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Early_To_Risa@sh.itjust.works

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Take out a huge loan (europe.pub)

submitted 23 hours ago* (last edited 23 hours ago) by Samdell@lemmy.eco.br to c/greentext@sh.itjust.works

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[–] mkwt@lemmy.world 9 points 19 hours ago (1 children)

Fun fact: the Big Three US American credit unions have a time horizon of seven years. This is set by law. This fucks me, because all my credit accounts are older than that. But the seven year horizon is good for this guy and folks who have declared bankruptcy.

[–] Trainguyrom@reddthat.com 3 points 16 hours ago* (last edited 16 hours ago)

Because of that time horizon my wife briefly had no credit score at all. She trashed her score at 18 then never tried to touch credit again because "I already know my credit is trash" then it all fell off (and whatever went to collections had already been garnished from her tax returns and whatnot) and she effectively had a clean slate with no credit history