Are You More Or Less "Free" In A Society That

[Meister]

Charles Main, let me ask you a question. We have no control over the manner in which the three credit reporting agencies record our data and even less over their secret formulas for scoring us, yet we are each ruled to a great degree by the results.

Should they be regulated, IYO?

Something tells me his answer will/would be no...everything is fine as it currently is and that you should get up off your fat and lazy librul keister and get urself a JERB!!!

I can only imagine the suffering one of the "self made" mythologists must endure if their lives go upside down. Why is it people so badly need to believe, despite all evidence to the contrary, that they can control all the forces impacting their lives?

WHAT can YOU do about it Madeline? Throw away your credit cards? Close out your checking and savings account and put the money in a pillow? Live in a cardboard tent on the outskirts of town? Lets hear how Madeline handles it?

 

[Meister]

I can thank any post I want to.

Funny, I don't recall you answering the question of the thread directly.

If it was off topic....why thank him? Just makes you look disengenuous with your thread.

 

[MarcATL]

I can thank any post I want to.

Funny, I don't recall you answering the question of the thread directly.

If it was off topic....why thank him? Just makes you look disengenuous with your thread.

To you, perhaps because you have ALREADY formulated your opinions about me already...so it won't take much of anything to lean towards whatever they may be.

Or perhaps I thanked her because I also agree that, yes, there are many posters on USMB who clearly suffer from the "Everything was great before Obama came into office" sickness.

Grow up!

 

[Madeline]

Meister wrote:

WHAT can YOU do about it Madeline? Throw away your credit cards? Close out your checking and savings account and put the money in a pillow? Live in a cardboard tent on the outskirts of town? Lets hear how Madeline handles it?

Meister, I am no more "free" than anyone else. However, I do not pretend my life is entirely of my own choosing and the forces of capital have no impact on me. For starters, ATM I am fairly cemented into my townhouse and my quality of life is largely dependent on my neighborhood. If things go south, businesses close, homes go vacant....I know this will become a more dangerous place to live. So far, nothing seems to be moving up or down by much after the dive things took around Xmas 2008.

The only "control" I can exert is on my elected officials. To do so, I have to first grasp the issues....and I think MarcATL is correct. The use of credit ratings to determine who gets to move forward in life and who does not has grown abusive.

 

[MarcATL]

Dimwit...getting a job should NOT be contingent upon your credit score. Nor should getting an abode.

Getting a house should not be contingent upon your credit score? Really?! LMFAO.

You RW LIARS love to pick and choose to bolster your FAUX arguments and false beliefs don't you?

I said abode. That includes rent.

I said abode...not mansion.

Dimwit.

My apologies for calling you names uncalled for Dis.

Clearly I'm passionate about this stuff, clearly.

I'll try not to get so easily frustrated.

 

[Meister]

Meister wrote:

WHAT can YOU do about it Madeline? Throw away your credit cards? Close out your checking and savings account and put the money in a pillow? Live in a cardboard tent on the outskirts of town? Lets hear how Madeline handles it?

Meister, I am no more "free" than anyone else. However, I do not pretend my life is entirely of my own choosing and the forces of capital have no impact on me. For starters, ATM I am fairly cemented into my townhouse and my quality of life is largely dependent on my neighborhood. If things go south, businesses close, homes go vacant....I know this will become a more dangerous place to live. So far, nothing seems to be moving up or down by much after the dive things took around Xmas 2008.

The only "control" I can exert is on my elected officials. To do so, I have to first grasp the issues....and I think MarcATL is correct. The use of credit ratings to determine who gets to move forward in life and who does not has grown abusive.

I think most handle their lives as you do, Madeline...no different at all. For MarcATL....it sounds more like sour grapes or something, I don't know. I have no problems allowing my credit report if there is an offset for myself. It's my gain in the end.

 

[MarcATL]

Meister wrote:

WHAT can YOU do about it Madeline? Throw away your credit cards? Close out your checking and savings account and put the money in a pillow? Live in a cardboard tent on the outskirts of town? Lets hear how Madeline handles it?

Meister, I am no more "free" than anyone else. However, I do not pretend my life is entirely of my own choosing and the forces of capital have no impact on me. For starters, ATM I am fairly cemented into my townhouse and my quality of life is largely dependent on my neighborhood. If things go south, businesses close, homes go vacant....I know this will become a more dangerous place to live. So far, nothing seems to be moving up or down by much after the dive things took around Xmas 2008.

The only "control" I can exert is on my elected officials. To do so, I have to first grasp the issues....and I think MarcATL is correct. The use of credit ratings to determine who gets to move forward in life and who does not has grown abusive.

I really was trying to point out that it RESTRICTS freedom. I'd expect those who love to spew on and on and on about "FREEDUM" would have understood, however, their love for all things Corporate has them in an ignorant trance to the reality.

I'm not surprised actually...but still amazed.

 

[Charles_Main]

Can't answer the basic question honestly...can you?

If you really want an answer you should try being less of a disrespectful jerk when you ask it and talk to people about it.

Charles Main, let me ask you a question. We have no control over the manner in which the three credit reporting agencies record our data and even less over their secret formulas for scoring us, yet we are each ruled to a great degree by the results.

Should they be regulated, IYO?

Absolutely.

 

[MarcATL]

The one theme that remains constant in the CON$ Wurld in issues/matters such as this and say, the Health Care issue is "I gotta get mines, you gotta yours" meme.

 

[Charles_Main]

If you really want an answer you should try being less of a disrespectful jerk when you ask it and talk to people about it.

Charles Main, let me ask you a question. We have no control over the manner in which the three credit reporting agencies record our data and even less over their secret formulas for scoring us, yet we are each ruled to a great degree by the results.

Should they be regulated, IYO?

Something tells me his answer will/would be no...everything is fine as it currently is and that you should get up off your fat and lazy librul keister and get urself a JERB!!!

Once again you figure wrong. I am one of the only so called right wingers on this thread who even half agreed with your original Narrative, and still you attack with name calling. Like I said. If you really want people to engage you and answer you question. You might try not being so rude when you do it. You also might want to stop assuming things about People. As I told Mad I absolutely do think the Credit Reporting Agencies should be regulated. They have far to much power over our Lives to not be.

 

[Dis]

The one theme that remains constant in the CON$ Wurld in issues/matters such as this and say, the Health Care issue is "I gotta get mines, you gotta yours" meme.

And if I gotta get mine, then you should have to get yours.

Simple, really.

 

[MarcATL]

So what's your answer Charles?

 

[Madeline]

If you really want an answer you should try being less of a disrespectful jerk when you ask it and talk to people about it.

Charles Main, let me ask you a question. We have no control over the manner in which the three credit reporting agencies record our data and even less over their secret formulas for scoring us, yet we are each ruled to a great degree by the results.

Should they be regulated, IYO?

Absolutely.

I agree...and I suspect we both share this opinion because we see the credit rating agencies as noncompetitive and far too powerful. Just as we would want Moody's to be subject to some government control if every bond were rated by them but no one really knew how they did so.

If that's true, then IYO, is is entirely fair for insurance companies to uprate or deny coverage to applicants with poor credit ratings? BTW, there is little if any evidence that people with poor credit ratings drive badly or burn down their homes more often.

 

[Meister]

I can thank any post I want to.

Funny, I don't recall you answering the question of the thread directly.

If it was off topic....why thank him? Just makes you look disengenuous with your thread.

To you, perhaps because you have ALREADY formulated your opinions about me already...so it won't take much of anything to lean towards whatever they may be.

Or perhaps I thanked her because I also agree that, yes, there are many posters on USMB who clearly suffer from the "Everything was great before Obama came into office" sickness.

Grow up!

We do differ in ideology, MarcATL. I came to this thread for discussion and debate, and not get into the politics of Obama....this wasn't about him at all. Yet, Sallow just had to make a trolling remark and I called him on it. My opinions on you are formulated as yours are with me....but we still can debate respectfully.....on topic.
Now that Sallow and you have politicized this thread about Obama...I will bow out. Good evening...Maybe when you grow up we can continue a discussion on another thread and stay on topic. It was a good one

 

[Charles_Main]

So what's your answer Charles?

Scroll up I have stated it twice now.

 

[Madeline]

The one theme that remains constant in the CON$ Wurld in issues/matters such as this and say, the Health Care issue is "I gotta get mines, you gotta yours" meme.

And if I gotta get mine, then you should have to get yours.

Simple, really.

Therein lies the fundamental difference between us. I see many people who cannot see the doctor, the dentist, the pharmacist, etc. suffer and even die early for lack of care, and it galls me. You look at them and congratulate yourself. Mebbe the proper response really is yours, but I will never be that person.

 

[snjmom]

Bullshit. The credit markets were not dysfunctional until someone decided the use of other people's money was an entitlement.

You do realize that the entitled ones were the ones raking in the bonuses till the house of card burst.

Right?

 

[Charles_Main]

Charles Main, let me ask you a question. We have no control over the manner in which the three credit reporting agencies record our data and even less over their secret formulas for scoring us, yet we are each ruled to a great degree by the results.

Should they be regulated, IYO?

Absolutely.

If that's true, then IYO, is is entirely fair for insurance companies to uprate or deny coverage to applicants with poor credit ratings? BTW, there is little if any evidence that people with poor credit ratings drive badly or burn down their homes more often.[/FONT][/SIZE][/COLOR]

Hell no I do not see any connection between someones Credit Score and increased Liability for an insurance company covering them. Therefor I see no legitimate reason for them to charge people with poor credit Higher Premiums. I believe credit score should only be looked at when you are Seeking CREDIT. Not when you buy insurance, or apply for a job. But that is just me.

 

[uscitizen]

Essentially REQUIRES an individual to have good credit to do/have practically anything.

Aka, an abode, whether rent or own, a car, access to loans (well, this one more understandable), and many other things that decades ago was not necessary.

HUH? Credit is not a right of any kind. It should be equitable in it's rules of access but earned not deserved until you earn it.

 

[Madeline]

Absolutely.

If that's true, then IYO, is is entirely fair for insurance companies to uprate or deny coverage to applicants with poor credit ratings? BTW, there is little if any evidence that people with poor credit ratings drive badly or burn down their homes more often.[/FONT][/SIZE][/COLOR]

Hell no I do not see any connection between someones Credit Score and increased Liability for an insurance company covering them. Therefor I see no legitimate reason for them to charge people with poor credit Higher Premiums.

They all do, here in Ohio. As best I can tell, credit underwriting has become a common practice in all 50 states. It allows them to reduce their risk of the unpaid premium -- and has no bearing on their risk of claims. I think it should be illegal. So does MarcATL.

You aren't being asked to join some sort of communist uprising; merely to question whether some new business practices of Ginormous Corporations Inc. might not be predatory?