Great video and insight... thanks for sharing!
no one should be harassed and getting death threats over this
No they shouldn't but shitty people often get mad at other shitty people. Do shitty things, get shitty consequences.
Even people around here I'd interacted with positively for years and had grown to respect because they seemed level headed and above the immature and sociopathic bullshit that dominates this platform showed their true selves.
Or, I don't know... maybe you're the problem.
Top YouTube comment:
Obama has the chance to do the funniest thing ever!
In the US many insurance companies will give you better rates if you have a good credit score. It can make a very big difference as supposedly there's a correlation between bad scores and higher risk of accidents and claims.
A good score also gives you a lower interest rate on any loans, car and home being most important. Having a good score can save you tons of money monthly.
Ah good, because fuck Wells Fargo!
I meant to add I wouldn't trust Wells Fargo with anything given their corrupt & recent history. Doing the opposite of what they suggest is probably better with nothing else to go on.
Regarding my FICO score, the details on my utilization percentage says it makes up approx 30% of the score, and as you can see in the screenshot above, that highlighted as a positive, not a negative.
The score I see in the Chase app is my VantageScore from Experion, a different credit agency. Not sure what their max is but 826 is an excellent score too.
As far as carrying a balance goes on my credit card, we do not. We use it for most purchases and pay it off in full at the end of the month. So while it has a balance month-to-month, and makes up most of our utilization, nothing carries over and we pay no interest but instead get cash back. We have high limits on most cards so that keeps our % utilization low, which really is an advantage.
On our recommendation most of our adult kids do the same re: using the credit card as a debit and paying it off monthly. I know at least 3 have their scores in 800s too. If you have the discipline, having the high limit with a low utilization seems to be advantageous.
It might depend on the particular credit score assessment. Mine is always low - 6% currently - and I have an 850 FICO score. Per FICO that's one of the reasons it's so high.
Whatever score the Chase app shows says I'm at 826, so also no apparent penalty for low usage.
I'm just really disappointed they didn't include an AI-generated video. Low-effort spam!
Pretty sure that's the like, one of the main things that sexual violence prevention education and research targets is that men are overwhelmingly complicit in rape culture.
This is shocking if true with any kind of recent data.
Don't get me wrong I believe there was time this may have been true. Growing up in the 70s/80s there were definitely men that thought grabbing women's asses was funny and treated drunk women as consenting... the movies "Revenge of the Nerds" and "Pretty in Pink" have some terrible examples of what some of the norms were. But is this true today? I feel like things are much better now but perhaps I'm just naive.
You don't think the electrician doing the work got all that, do you? The company that signs his paycheck took the lion's share.
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