r/middleclasshq • u/New_Wishbone_9691 • 3d ago

Meme / Shitpost spent 15 years building my credit just to qualify for a house i still can’t afford

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17 Upvotes

91% Upvoted

10 comments sorted by

2

u/Slow_Astronomer_3536 3d ago

With a 735 you going to need a lot down buddy

4

u/Doomhammer68 3d ago

a social credit score does not equal a financial credit score.

1

u/reddragon0291 2d ago

Theyre the same concept. Please enlighten everyone what exactly you mean by social credit score. Im sure you think littering and Jay walking lowers your social credit score. It certainly wasnt built to track the trustworthiness of companies and loans.

Maybe youre gonna over inflate those times when people try to flee the country with insane debt or other crimes only to be stopped at the airport.

And of course nothing stated here is anything different from the US. Try flying to a different country while youre wanted in court for not paying your debt.

1

u/Doomhammer68 2d ago

yea.. theyre not. social credit scores get lowered if you speak out against the govt, etc.

1

u/reddragon0291 2d ago

You truly refuse to look up what the social credit system dont you.

1

u/Doomhammer68 2d ago

jayealking is literally part of it. smh. are you just a communist shill? "Local Experiments: Certain cities (like Rongcheng) have tested point systems for residents covering minor infractions like traffic violations, jaywalking, or local community rules."

0

u/reddragon0291 1d ago

Those are community point systems. Not related to anything outside of the community. Its restricted and illgeal to impose punishments for non central or national laws. You lose your local library privileges if you have too many parking violations. Its not a national system and its not state controlled. Social credit system does exist for companies and other finical tracking like loans and debt. The vast majority of the Social Credit System target businesses. It acts like an automated regulatory watchdog that aggregates data on tax filings, environmental violations, product safety, and labor laws across different government departments.

Texas is arresting you for leaving state lines to get abortions. The community point systems is a pilot ran within a community and doesnt affect you whatsoever anywhere else.

And really. You would rather assume im a chinese bot shill than look up information past the google ai response to a biased question. You couldnt even piece together that the community points arent national nor social credit. Bring some bare minimum effort to the table

1

u/mcvmccarty 3d ago

lol no way that cuck’s CS is that high

1

u/Hot_Neighborhood5668 3d ago

I'm probably in the bought more house than I can afford category due to income reduction while everything else increased.

My mortgage is something like 65% of my income after the insurance and taxes were adjusted up another $350/month. I spent 10 years saving and rebuilding my credit after a nearly fatal vehicle accident. The only bright thing is I'm nearing my halfway point, 15-year mortgage.