Vette Boss
Forum Addict
- Joined
- Nov 14, 2004
- Messages
- 5,291
- Location
- United States, Britain, in time
- Car(s)
- 2006 Volkswagen Passat 3.6 VR6
You must spread pond life...
I don't know if I should laugh or cry...Once again I received the annual statement for my flat. This year it's 354 Euros which I paid too much in advance. Usually I'd have to pay 535 Euros rent and advance payment, next month it's just 181 Euros.
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Let's see if they manage to collect the rent on their own this time...
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Well, it clears up and I should have my money back by tomorrow...I don't know if I should laugh or cry...
They did manage to collect rent, but they didn't collect the reduced rate but the full rate...
Talking about credit scores, I work for a credit card company but how exactly they come up with a score, is being treated like the biggest company secret. Nobody knows anything for sure but apparently there are several factors that influence your score:
- address (good or bad neighborhood)
- family name (seriously, they keep track of the financial records of all people who share your family name)
- creditworthiness of your neighbors (!)
- your personal spend behavior (apparently buying small stuff like candy or chewing gum at petrol stations mark you as being wasteful with your money)
- how often do you add/change/cancel credit cards or your bank account? (Stability is a key factor here, if you change things too often, your credit score drops)
- your age and family status of course (married, divorced, single, with or without children and how many of them?)
- do you live in a rented apartment/house or do you have your own house/apartment?
- the overall debt you gave in loans
- Nationality and profession
I'm sure there are many more factors playing into it and sometimes a husband gets a completely different score than the wife, so gender seems to play a role as well.
That's the whole concept of credit scores: judge before you have a reason to judge. If there is a reason, the "defendant" stands no chance anyway.That sounds like prejudice.
Definitely. AFAIK, even an information request on your own score used to lower that score. "You want The Man to tell you what your credit score is? You must suffer."I believe the reason why the exact factors are being kept a secret is to prevent people from sueing.
Definitely. AFAIK, even an information request on your own score used to lower that score. "You want The Man to tell you what your credit score is? You must suffer."