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  1. - Top - End - #1471
    Eldritch Horror in the Playground Moderator
    Join Date
    Feb 2005
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    Male

    Default Re: Questionable Content XVI: Yes, Butt

    Which also leads to the weird side effect that paying off a old debt can drop your credit rating, if its the oldest one you have and thus your visible credit history becomes shorter.
    Quote Originally Posted by Red Fel, on quest rewards View Post
    "Is a stack of ten pancakes too many pancakes to give to the party, even if most of them fell on the floor and one or two were stepped on? I wanted to give my party pancakes as a reward but I'm unsure if it's too much. The pancakes are also laced with blowfish poison so the party would have to get an antitoxin before they could eat the ones which weren't pulverized by shoes."

    I don't think anyone would want those pancakes even if you paid them to eat them.

  2. - Top - End - #1472
    Barbarian in the Playground
    Join Date
    Nov 2015

    Default Re: Questionable Content XVI: Yes, Butt

    This credit discussion is just making me feel a little better about having no ability to wrap my head around how credit works. It apparently works on moon logic dreamt up by upside-down ghost elves.

  3. - Top - End - #1473
    Firbolg in the Playground
     
    Griffon

    Join Date
    Apr 2007
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    England
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    Default Re: Questionable Content XVI: Yes, Butt

    Quote Originally Posted by Delicious Taffy View Post
    [Credit scores] apparently work on moon logic dreamt up by upside-down ghost elves.
    Congratulations, you now fully understand finance as well as the average stock broker.

    Also: Page 50 means New Thread Time. Have fun!
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  4. - Top - End - #1474
    Barbarian in the Playground
    Join Date
    Feb 2020

    Default Re: Questionable Content XVI: Yes, Butt

    Quote Originally Posted by Delicious Taffy View Post
    This credit discussion is just making me feel a little better about having no ability to wrap my head around how credit works. It apparently works on moon logic dreamt up by upside-down ghost elves.
    It's based on behavioral analysis based on a spreadsheet.

    You don't have a spreadsheet about you, you don't get a rating.

  5. - Top - End - #1475
    Titan in the Playground
    Join Date
    Dec 2010
    Location
    right behind you

    Default Re: Questionable Content XVI: Yes, Butt

    Quote Originally Posted by TaRix View Post
    A -better- way is asking previous landlords and such. I went for years with null credit because of me not going into debt (and paying off student loans et al long enough for them to fall off the report.) Of course, that means I can't buy a house because I'm an unknown renegade who pays all the bills and have lived long enough debt-free to not have a credit report. Completely untrustworthy.
    Bankers are incapable of intelligent thought, or at least disallowed from acting on it.
    Ehhh I can see the problem. They have no way of confirming you pay your bills on time because you have no record of ever doing so, that automatically makes you a risk. Think of it like car insurance for new drivers. Yes you have a perfectly clean record, but thats because you have never driven before, so its risky to assume you will be good at it right away. Thats why new drivers pay through the nose for the first couple years of clean driving. The bank sees you have never been in a position to make regular payments so they dont know if you can and will or not. It sucks for you, thats true, but that doesnt make the bank stupid.
    "Interdum feror cupidine partium magnarum Europae vincendarum"
    Translation: "Sometimes I get this urge to conquer large parts of Europe."

    Quote Originally Posted by Nerd-o-rama View Post
    Traab is yelling everything that I'm thinking already.
    "If you don't get those cameras out of my face, I'm gonna go 8.6 on the Richter scale with gastric emissions that'll clear this room."

  6. - Top - End - #1476
    Bugbear in the Playground
     
    Agi Hammerthief's Avatar

    Join Date
    Jan 2010
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    see homepage
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    Default Re: Questionable Content XVI: Yes, Butt

    Quote Originally Posted by Traab View Post
    The bank sees you have never been in a position to make regular payments so they dont know if you can and will or not. It sucks for you, thats true, but that doesnt make the bank stupid.
    and the (not so) funny thing is:
    the higher risk they think you are, the more expensive the loan.
    which by itself increases the risk of you defaulting.
    * my emphasis

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