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Liam O'Mara IV, PhDYour <a href="https://mastodon.social/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a> is a scam meant to enslave you to the <a href="https://mastodon.social/tags/banks" class="mention hashtag" rel="nofollow noopener" target="_blank">#banks</a>. They force people into debt so they can get ever more debt. <a href="https://mastodon.social/tags/Capitalists" class="mention hashtag" rel="nofollow noopener" target="_blank">#Capitalists</a> use the banks as a means of control, to keep we peasants in line and unable to escape the system of <a href="https://mastodon.social/tags/WageSlavery" class="mention hashtag" rel="nofollow noopener" target="_blank">#WageSlavery</a> that replaced <a href="https://mastodon.social/tags/feudalism" class="mention hashtag" rel="nofollow noopener" target="_blank">#feudalism</a>. <a href="https://mastodon.social/tags/IWW" class="mention hashtag" rel="nofollow noopener" target="_blank">#IWW</a>

Loki the CatFICO finally noticed that splitting purchases into payments might reveal something about financial habits 🤔 90 million Americans using BNPL will now see these transactions in new credit scoring models. Your credit score is about to get more comprehensive.<a href="https://news.slashdot.org/story/25/06/23/1823245/fico-to-incorporate-buy-now-pay-later-loans-into-credit-scores" rel="nofollow noopener" translate="no" target="_blank">https://news.slashdot.org/story/25/06/23/1823245/fico-to-incorporate-buy-now-pay-later-loans-into-credit-scores</a><a href="https://toot.community/tags/FICO" class="mention hashtag" rel="nofollow noopener" target="_blank">#FICO</a> <a href="https://toot.community/tags/BNPL" class="mention hashtag" rel="nofollow noopener" target="_blank">#BNPL</a> <a href="https://toot.community/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a>

Public Enemy Exposed🤦 this has to be 'opt-in' and not 'opt-out'. "CDRs are metadata about calls, including the phone numbers being contacted, and when the call started and ended. It may also include which cellphone towers the device was connected to during the call."<a href="https://mybroadband.co.za/news/cellular/599031-questions-about-phone-records-being-used-for-credit-scores-in-south-africa.html" rel="nofollow noopener" translate="no" target="_blank">https://mybroadband.co.za/news/cellular/599031-questions-about-phone-records-being-used-for-credit-scores-in-south-africa.html</a><a href="https://mastodon.online/tags/MTN" class="mention hashtag" rel="nofollow noopener" target="_blank">#MTN</a> <a href="https://mastodon.online/tags/TransUniom" class="mention hashtag" rel="nofollow noopener" target="_blank">#TransUniom</a> <a href="https://mastodon.online/tags/Experian" class="mention hashtag" rel="nofollow noopener" target="_blank">#Experian</a> <a href="https://mastodon.online/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a> <a href="https://mastodon.online/tags/SouthAfrica" class="mention hashtag" rel="nofollow noopener" target="_blank">#SouthAfrica</a>

Headlines AfricaAfrica: All you Need to Know about Loan Options: [InfoWire] Wanting to take out a loan can be challenging, especially when credit histories aren't ideal. Despite these challenges, understanding loan options can pave the way to improved financial stability. Discover how knowledge and strategic planning can unlock loan opportunities even for those with unfavorable credit scores. <a href="http://newsfeed.facilit8.network/TJkHCh" rel="nofollow noopener" translate="no" target="_blank">http://newsfeed.facilit8.network/TJkHCh</a> <a href="https://journa.host/tags/Loans" class="mention hashtag" rel="nofollow noopener" target="_blank">#Loans</a> <a href="https://journa.host/tags/FinancialStability" class="mention hashtag" rel="nofollow noopener" target="_blank">#FinancialStability</a> <a href="https://journa.host/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a> <a href="https://journa.host/tags/LoanOptions" class="mention hashtag" rel="nofollow noopener" target="_blank">#LoanOptions</a> <a href="https://journa.host/tags/PersonalFinance" class="mention hashtag" rel="nofollow noopener" target="_blank">#PersonalFinance</a>

Wide Awake 👁️Back in November my local bank notified me that my credit score had dropped—an identity thief had made seven credit applications in my name. After repeated failed attempts to reach <a href="https://urbanists.social/tags/capitalone" class="mention hashtag" rel="nofollow noopener" target="_blank">#capitalone</a> by phone (one of the banks the thief had applied to and who had made a hard pull on my credit report) I sent them a letter with a copy of my credit report and a description of the situation. I got a letter back from them today asking for…a letter and a copy of my credit report. <a href="https://urbanists.social/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a> <a href="https://urbanists.social/tags/IdentityTheft" class="mention hashtag" rel="nofollow noopener" target="_blank">#IdentityTheft</a>

Asheville CharlieSo.. last month I did nothing and my credit score dropped 20 points. This month I did nothing and its up 50 points. I'm saying *this* is the definition of insanity.<a href="https://mastodon.social/tags/creditscore" class="mention hashtag" rel="nofollow noopener" target="_blank">#creditscore</a> <a href="https://mastodon.social/tags/insanity" class="mention hashtag" rel="nofollow noopener" target="_blank">#insanity</a>

Voting is Your POWERBy <a href="https://universeodon.com/tags/Voting" class="mention hashtag" rel="nofollow noopener" target="_blank">#Voting</a> for <a href="https://universeodon.com/tags/Democrats" class="mention hashtag" rel="nofollow noopener" target="_blank">#Democrats</a> We Make Our Lives Better!US House Representative Sarah McBride is the first freshman Democrat to introduce a bill in the new Congress.The Ending Scam Credit Repair Act seeks to crack down on "fraudulent practices" from companies that "deceive consumers with high fees and empty promises" to fix credit scores. <a href="https://universeodon.com/tags/uspol" class="mention hashtag" rel="nofollow noopener" target="_blank">#uspol</a> <a href="https://universeodon.com/tags/uspolitics" class="mention hashtag" rel="nofollow noopener" target="_blank">#uspolitics</a> <a href="https://universeodon.com/tags/trans" class="mention hashtag" rel="nofollow noopener" target="_blank">#trans</a> <a href="https://universeodon.com/tags/economy" class="mention hashtag" rel="nofollow noopener" target="_blank">#economy</a> <a href="https://universeodon.com/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a> <a href="https://universeodon.com/tags/houseofrepresentatives" class="mention hashtag" rel="nofollow noopener" target="_blank">#houseofrepresentatives</a> <a href="https://universeodon.com/tags/lgbtq" class="mention hashtag" rel="nofollow noopener" target="_blank">#lgbtq</a> <a href="https://universeodon.com/tags/lgbtqia" class="mention hashtag" rel="nofollow noopener" target="_blank">#lgbtqia</a><a href="https://www.notus.org/congress/sarah-mcbride-young-kim-bipartisan-bill" rel="nofollow noopener" translate="no" target="_blank">https://www.notus.org/congress/sarah-mcbride-young-kim-bipartisan-bill</a>

Stephen J. CarringtonGood news for Californian's who rent. You can now build your <a href="https://mastodon.social/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a> by requiring your <a href="https://mastodon.social/tags/Landlord" class="mention hashtag" rel="nofollow noopener" target="_blank">#Landlord</a> to report positive on-time rental payments to a credit reporting agency! 📈 There's a few limitations (larger than 15 units, etc) - all the deets here, from CA DRE's 2025 Tenant & Landlord Guide:<a href="https://landlordtenant.dre.ca.gov/pdf/resources/CaliforniaTenantRenterGuide.pdf" rel="nofollow noopener" translate="no" target="_blank">https://landlordtenant.dre.ca.gov/pdf/resources/CaliforniaTenantRenterGuide.pdf</a>

Jelloeater<a href="https://www.wsj.com/personal-finance/credit/perfect-credit-score-achievement-02cb2ec2" rel="nofollow noopener" translate="no" target="_blank">https://www.wsj.com/personal-finance/credit/perfect-credit-score-achievement-02cb2ec2</a> Don't forget, your value as a person to society can be summed up by a single number... <a href="https://mastodon.social/tags/capitalism" class="mention hashtag" rel="nofollow noopener" target="_blank">#capitalism</a> <a href="https://mastodon.social/tags/creditscore" class="mention hashtag" rel="nofollow noopener" target="_blank">#creditscore</a> <a href="https://mastodon.social/tags/banking" class="mention hashtag" rel="nofollow noopener" target="_blank">#banking</a>

go to BOKatTOOTdotCATThere was a <a href="https://lor.sh/tags/DataBreach" class="mention hashtag" rel="nofollow noopener" target="_blank">#DataBreach</a>, and my sister emails me, saying she knows I'm in the same system, so I have to take care of it, and to go to these three websites to freeze my credit. So I try to make an account at the first one, and it fails twice. Ditto the second. So she says she'll come over and do it with me to see where things are going wrong.She tries making an account at the third place, and it also fails. Different browsers, different emails, different phone numbers: nothing works. And the the automated text system says to try X, which fails. Then Y, which does as well. Then the live help suggests Z: ditto.Finally she gets a different person, and they finally tell her what's wrong: I don't exist.I lead a simple life. I have a debit card, but I've never had a <a href="https://lor.sh/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditCard</a>. So I have no <a href="https://lor.sh/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a>. So as far as all the credit agencies know, I don't exist, and trying to make it so no one can take out a credit card in your name, when you don't yourself already have one, is surprisingly difficult.

J. Jacoby (a person)I wish my parents gave me books about investing instead of magazines about cars.<a href="https://techhub.social/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a>

JdeB [216.91 ppm]<a href="https://climatejustice.social/tags/USpolitics" class="mention hashtag" rel="nofollow noopener" target="_blank">#USpolitics</a> <a href="https://climatejustice.social/tags/CreditScoreSlave" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScoreSlave</a>An entire society based on loans, enslaved by their creditscore... 🤬 "Credit Score Living in USA 🇺🇸 v. Germany 🇩🇪 <a href="https://climatejustice.social/tags/livingingermany" class="mention hashtag" rel="nofollow noopener" target="_blank">#livingingermany</a> <a href="https://climatejustice.social/tags/creditscore" class="mention hashtag" rel="nofollow noopener" target="_blank">#creditscore</a>" [ < 1min] by @usa.mom.in.germany<a href="https://www.youtube.com/shorts/6yZOnOefJjY" rel="nofollow noopener" translate="no" target="_blank">https://www.youtube.com/shorts/6yZOnOefJjY</a> <a href="https://climatejustice.social/tags/USbeware" class="mention hashtag" rel="nofollow noopener" target="_blank">#USbeware</a> <a href="https://climatejustice.social/tags/CapitalismIsFailingYou" class="mention hashtag" rel="nofollow noopener" target="_blank">#CapitalismIsFailingYou</a>

Ashwin Nanjappa 🐘<a href="https://hachyderm.io/@smurthys" class="u-url mention" rel="nofollow noopener" target="_blank">@smurthys</a> I haven't used it, but it looks like they are helping people gain a better credit score in a system that is stacked unfairly against such people. Some people know the tricks to gain higher score, this service is probably sharing access to such knowledge to everyone else.<a href="https://mastodon.social/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a>

pezhoreSo question for home owners (especially first time home owners) - did your credit score take a hit? How long did it take to recover?We purchased back in August, and aside from a little blip, I'm back up into the 800s.<a href="https://infosec.exchange/tags/AskMastodon" class="mention hashtag" rel="nofollow noopener" target="_blank">#AskMastodon</a> <a href="https://infosec.exchange/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a> <a href="https://infosec.exchange/tags/Homebuyer" class="mention hashtag" rel="nofollow noopener" target="_blank">#Homebuyer</a>

Lumlux Art<a href="https://mastodon.social/tags/PersonalFinance" class="mention hashtag" rel="nofollow noopener" target="_blank">#PersonalFinance</a> <a href="https://mastodon.social/tags/Investing" class="mention hashtag" rel="nofollow noopener" target="_blank">#Investing</a> <a href="https://mastodon.social/tags/FinancialFreedom" class="mention hashtag" rel="nofollow noopener" target="_blank">#FinancialFreedom</a> <a href="https://mastodon.social/tags/RetirementPlanning" class="mention hashtag" rel="nofollow noopener" target="_blank">#RetirementPlanning</a> <a href="https://mastodon.social/tags/DebtFree" class="mention hashtag" rel="nofollow noopener" target="_blank">#DebtFree</a> <a href="https://mastodon.social/tags/FrugalLiving" class="mention hashtag" rel="nofollow noopener" target="_blank">#FrugalLiving</a> <a href="https://mastodon.social/tags/StockMarket" class="mention hashtag" rel="nofollow noopener" target="_blank">#StockMarket</a> <a href="https://mastodon.social/tags/Crypto" class="mention hashtag" rel="nofollow noopener" target="_blank">#Crypto</a> <a href="https://mastodon.social/tags/RealEstate" class="mention hashtag" rel="nofollow noopener" target="_blank">#RealEstate</a> <a href="https://mastodon.social/tags/FinancialLiteracy" class="mention hashtag" rel="nofollow noopener" target="_blank">#FinancialLiteracy</a> <a href="https://mastodon.social/tags/WealthBuilding" class="mention hashtag" rel="nofollow noopener" target="_blank">#WealthBuilding</a> <a href="https://mastodon.social/tags/Budgeting" class="mention hashtag" rel="nofollow noopener" target="_blank">#Budgeting</a> <a href="https://mastodon.social/tags/SavingsGoals" class="mention hashtag" rel="nofollow noopener" target="_blank">#SavingsGoals</a> <a href="https://mastodon.social/tags/EmergencyFund" class="mention hashtag" rel="nofollow noopener" target="_blank">#EmergencyFund</a> <a href="https://mastodon.social/tags/DividendInvesting" class="mention hashtag" rel="nofollow noopener" target="_blank">#DividendInvesting</a> <a href="https://mastodon.social/tags/TaxPlanning" class="mention hashtag" rel="nofollow noopener" target="_blank">#TaxPlanning</a> <a href="https://mastodon.social/tags/Entrepreneurship" class="mention hashtag" rel="nofollow noopener" target="_blank">#Entrepreneurship</a> <a href="https://mastodon.social/tags/PassiveIncome" class="mention hashtag" rel="nofollow noopener" target="_blank">#PassiveIncome</a> <a href="https://mastodon.social/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a> <a href="https://mastodon.social/tags/FinancialPlanning" class="mention hashtag" rel="nofollow noopener" target="_blank">#FinancialPlanning</a> <a href="https://mastodon.social/tags/FIREmovement" class="mention hashtag" rel="nofollow noopener" target="_blank">#FIREmovement</a> <a href="https://mastodon.social/tags/MillennialMoney" class="mention hashtag" rel="nofollow noopener" target="_blank">#MillennialMoney</a> <a href="https://mastodon.social/tags/MoneyMindset" class="mention hashtag" rel="nofollow noopener" target="_blank">#MoneyMindset</a> <a href="https://mastodon.social/tags/DebtRepayment" class="mention hashtag" rel="nofollow noopener" target="_blank">#DebtRepayment</a> <a href="https://mastodon.social/tags/SideHustle" class="mention hashtag" rel="nofollow noopener" target="_blank">#SideHustle</a> <a href="https://mastodon.social/tags/StudentLoans" class="mention hashtag" rel="nofollow noopener" target="_blank">#StudentLoans</a> <a href="https://mastodon.social/tags/MoneyManagement" class="mention hashtag" rel="nofollow noopener" target="_blank">#MoneyManagement</a> <a href="https://mastodon.social/tags/FinancialGoals" class="mention hashtag" rel="nofollow noopener" target="_blank">#FinancialGoals</a> <a href="https://mastodon.social/tags/RoboAdvisors" class="mention hashtag" rel="nofollow noopener" target="_blank">#RoboAdvisors</a> <a href="https://mastodon.social/tags/ETFs" class="mention hashtag" rel="nofollow noopener" target="_blank">#ETFs</a>In today's fast-paced world, social…<a href="https://lumlux-art.com/top-financial-hashtags-harness-the-power-of-social-media-to-boost-your-financial-literacy/" rel="nofollow noopener" translate="no" target="_blank">https://lumlux-art.com/top-financial-hashtags-harness-the-power-of-social-media-to-boost-your-financial-literacy/</a>

El DuvelleTrying to understand the <a href="https://neuromatch.social/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a> system (in the UK) as it seems it might be useful one day if I need to make a loan...Told that I needed a credit card to help with it so I got one. I don't need it and don't want to pay any fees so my credit usage is 0%.Now told "it appears you aren't using any of your credit, so there's more you can do to improve this" and "Lenders prefer to see that you're using at least some of your credit". ... Whyyyy 😣

Pyrzout :vm:TD Bank Fined $28 Million by CFPB for Allegedly Sharing Inaccurate Customer Data <a href="https://thecyberexpress.com/td-bank-fine-cfpb-inaccurate-customer-data/" rel="nofollow noopener" translate="no" target="_blank">https://thecyberexpress.com/td-bank-fine-cfpb-inaccurate-customer-data/</a> <a href="https://social.skynetcloud.site/tags/TheCyberExpressNews" class="mention hashtag" rel="nofollow noopener" target="_blank">#TheCyberExpressNews</a> <a href="https://social.skynetcloud.site/tags/creditreporting" class="mention hashtag" rel="nofollow noopener" target="_blank">#creditreporting</a> <a href="https://social.skynetcloud.site/tags/TheCyberExpress" class="mention hashtag" rel="nofollow noopener" target="_blank">#TheCyberExpress</a> <a href="https://social.skynetcloud.site/tags/consumerrights" class="mention hashtag" rel="nofollow noopener" target="_blank">#consumerrights</a> <a href="https://social.skynetcloud.site/tags/financialfines" class="mention hashtag" rel="nofollow noopener" target="_blank">#financialfines</a> <a href="https://social.skynetcloud.site/tags/FirewallDaily" class="mention hashtag" rel="nofollow noopener" target="_blank">#FirewallDaily</a> <a href="https://social.skynetcloud.site/tags/creditbureaus" class="mention hashtag" rel="nofollow noopener" target="_blank">#creditbureaus</a> <a href="https://social.skynetcloud.site/tags/creditscore" class="mention hashtag" rel="nofollow noopener" target="_blank">#creditscore</a> <a href="https://social.skynetcloud.site/tags/dataprivacy" class="mention hashtag" rel="nofollow noopener" target="_blank">#dataprivacy</a> <a href="https://social.skynetcloud.site/tags/Compliance" class="mention hashtag" rel="nofollow noopener" target="_blank">#Compliance</a> <a href="https://social.skynetcloud.site/tags/CyberNews" class="mention hashtag" rel="nofollow noopener" target="_blank">#CyberNews</a> <a href="https://social.skynetcloud.site/tags/TDBank" class="mention hashtag" rel="nofollow noopener" target="_blank">#TDBank</a> <a href="https://social.skynetcloud.site/tags/CFPB" class="mention hashtag" rel="nofollow noopener" target="_blank">#CFPB</a>

Austin Huang ❤️Sure, it's good to promote healthier life <a href="https://mstdn.party/tags/habits" class="mention hashtag" rel="nofollow noopener" target="_blank">#habits</a>, but doing so via <a href="https://mstdn.party/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a> still seems to be a way to punish the <a href="https://mstdn.party/tags/poor" class="mention hashtag" rel="nofollow noopener" target="_blank">#poor</a> for being poor (and thus having to do grocery irregularly, esp. for those living check-to-check). Also, desire to seek more <a href="https://mstdn.party/tags/correlation" class="mention hashtag" rel="nofollow noopener" target="_blank">#correlation</a> with <a href="https://mstdn.party/tags/creditworthiness" class="mention hashtag" rel="nofollow noopener" target="_blank">#creditworthiness</a> will result in more and more factors being collected, furthering various biases... Not to mention <a href="https://mstdn.party/tags/privacy" class="mention hashtag" rel="nofollow noopener" target="_blank">#privacy</a>...<a href="https://theconversation.com/no-credit-score-a-grocery-list-could-be-the-next-best-thing-234887" rel="nofollow noopener" translate="no" target="_blank">https://theconversation.com/no-credit-score-a-grocery-list-could-be-the-next-best-thing-234887</a>

pezhoreScreenshot for posterity - we close on our first home next week and I just hit 800 on my credit score.I know that'll go down but by how much/how long it will take to recover - that's TBD.<a href="https://infosec.exchange/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#CreditScore</a> <a href="https://infosec.exchange/tags/FirstTimeHomeBuyer" class="mention hashtag" rel="nofollow noopener" target="_blank">#FirstTimeHomeBuyer</a>

Karthik SYour personal brand is much like your credit score. You don't really think of your credit score often, but that's precisely the point :) You need to know what affects your personal brand, much like your credit score, and how you can improve it! <a href="https://tinyurl.com/brandcredit" rel="nofollow noopener" translate="no" target="_blank">https://tinyurl.com/brandcredit</a><a href="https://mastodon.social/tags/personalbrand" class="mention hashtag" rel="nofollow noopener" target="_blank">#personalbrand</a> <a href="https://mastodon.social/tags/personalbranding" class="mention hashtag" rel="nofollow noopener" target="_blank">#personalbranding</a> <a href="https://mastodon.social/tags/creditscore" class="mention hashtag" rel="nofollow noopener" target="_blank">#creditscore</a>

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