My credit isn’t great (in the 670s). I’m assuming it’s because of my outstanding student loans (mostly with the government), if not then there’s some cosmic injustice the likes of capitalism is inevitably deeply involved with.
I think I’ve amassed enough to pay back my student loans but….why? Like, my plan since college has essentially been to never pay them back. ‘Get better interest rates on mortgage, car payments’ like who gives a fuck. Is a credit in the late 700s going to get me a house with a 1000 dollar down payment or somethinng, will it increase my credit line by 10s of thousands, will i be able to move into a luxury loft while only being able to afford a single month’s rent with the plan being to squat for the rest of time?
Is it even worth it?
There’s two strategies: the bad credit one is to basically abuse people who loan you money and charge off debts and do bankruptcy to fuck them over. The gamble is that they will eventually notice and send one one thousandth of their power after you and you’ll die.
The good credit strategy is to get better and better credit and a more and more enticing c/d ratio to get loaned more and more to have nicer and nicer things. The gamble is that you have to be incredibly prepared for everything because you’re playing the long game in a system designed to screw you over.