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this post was submitted on 03 Jan 2025
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Credit scores only exist in the US. Everywhere else just compares your income to your debt.
Edit: apparently there are several other countries with credit scoring systems. The more you know... The US system, at least, is still bullshit designed to stratify economic class not only individually but by gender and with generational impact.
What? We have credit scores in the UK. Used for getting mobile phone contracts, housing, bank accounts, credit cards, loans, etc.
Huh... Well assumptions and monoliths make fools of us all
The UK is just the "light" version of the US
Uh, no, not really.
The British attitudes to work, social systems and regulatory standards are more closely aligned with the EU than the US, even post-brexit.
We are very diplomatically aligned with the US as a result of our historical/cultural overlap and trading relationship, though.
True, doesn't sound to me like anything the US would do xD
I don't think the US would leave the EU given they're not in it xD
To be serious, the sentiment behind Brexit is the exact kind of sentiment you see in US people/politics as well: right-wing propaganda, xenophobia, resistance against any kind of authority, nationalism.
UK is literally the parent of the US. Puritan culture flows through both. A national superiority complex (which you seem to be a slight victim to). Surveillance capitalism. Deregulation.
Yes, the issues in the UK aren't as severe as in the US, they are more aligned with EU/socialist values, but that's why I said it's the "light" version of the US, didn't say they are the same. But out of all European countries, the UK is definitely the most similar to the US by a large margin.
Edit: also, Brexit is basically the same as the thoughts of some Republican states like Texas seceding from the US.
I mean, I don't disagree that there's similarities especially wrt to nationalism etc, but I also think those things are far more widespread than the UK and US.
Germany for example has had the AfD emerge as a major party with a big rise in nationalism, Italy has Brothers of Italy in power, who were an explicitly fascist party until very recently, and Italy has a long history of nationalism. China and Russia are extremely right-wing, propagandised, xenophobic, nationalist, surveillance capitalist and deregulatory (moreso wrt Russia), but it would be very silly to claim that makes them America-like.
I'm just stating how I see it from the perspective of a person actually from Britain - not sure what you're referring to wrt UK/me personally(?) having a superiority complex about it, in fact I'd argue self-deprecating, anti-British attitudes are an integral part of British culture in a way that is a direct inverse of US nationalist fervour.
I just think "the UK is America lite" is a very reductive way to look at a country that is highly culturally and politically distinct from the US. Whether that's the NHS (the first ever single-payer national health system), which the US has no equivalent of, the importance placed on the separation of church and state, or the far stronger regulatory frameworks that have frequently been a preventative factor that have repeatedly caused trade deals with America to fail (eg the whole bleached chicken thing).
Wrong, it exists in Europe as well (e.g. Germany)
I guess germans aren't ready to hear it either RIP
That's a completely different thing.
Your Schufa Score is only relevant in very few cases, as long as it's not super super bad. Due to data protection laws, the data they're allowed to keep of you is very limited and thus the usefulness is much lower for businesses.
Schufa basically blackmails you into giving you their data: Not giving them access to ALL your data WILL result in the lowest possible score for your business, which has huge implications in regards to any credit.
No, they don't. Businesses just send their negative data to the Schufa.
I worked in that area for years, and unless you're actively trying to tank your score, the Schufa is almost useless for all sides, and maybe businesses only use them to filter the really bad cases.
You have not read my comment at all, have you? Not giving them your business data reaults in the lowest score. That's blackmail.
You have no business data unless you're a business.
Are you a business? Thought so.
My brother in law has a business. That's how I know this. But you're just disagreeing out of principle, so you're immune to facts. Do go on and talk out of your ass and be the ignorant person you strive to be.
...and you don't see how that's exactly what I wrote above? It's a business, not a person. That's a difference. Data protection does not refer to businesses.
Again, I worked in the industry. I know how it works. But sure, 5 years in the engine room of risk management is obviously less informative than having a brother in law!
Sure, it's totally OK that a business like SchuFa has your data and if you happen to have a business it's totally ok for them to blackmail you. It's also totally ok that they don't notify you if any business reports something negative to them about you. Schufa is totally ok and not shitty and predatory at all.
Again, it's a business. Not a person.
Have you ever heard about the concept of a Handelsregister? Every business with address, owner, and financial statements is publicly available. For a person that would be atrocious, for a business, it's standard practice.
Seriously, do you really think a business and a person are the same?
No I do not. A company can tell Schufa something bad about any private person. Without their knowledge.
I read it. And I still don't see how wanting accountability from a business is that bad. Businesses have no data protection for a reason. You can't shame a business into suicide or blackmail it. So what exactly has a business to hide?
Informing it is not just a few cases. Not only does it impact things connected to a loan like Buying a house or a car, but also getting a mobile or landline subscription, a credit card and also more and more landlords expect you to show them a Schufaauszug proving a stable financial situation
Again, Schufa only really cares about negative data, they're not allowed to use much more than that.
That means, unless you have unpaid bills stacking up or relevant loans on your name, the Schufa knows hardly anything about you.
I've worked in that business. I personally looked at hundreds of datasets and for most people, the Schufa knows only that they exist and where they live.
There's a lot to criticize about these organizations, but the Schufa is by far not as pervasive as some here like to imagine.
Well, I've got a schufa GDPR data abstract which contains a lot of positive data as well. How many credit cards at which Bank and so on.
Also if schufa incorrectly adds negative entries to your dataset (e.g. due to two persons with the same name having the same date of birth), good luck getting the data straight.
Or if a debt collector enters an unjustified entry...
You obviously did but come in contact with any negative aspects of schufa while working with it, but these cases definitely exist, just check the results on Google...
Credit cards are - as the name implies - credit. That is, loans.
That's the same as having outstanding debt, and thus negative.
The Schufa isn't perfect, far from it, but don't act like it's the financial Stasi.
honestly, this is something I needed to hear. my family has been pretty anti-credit (dad was bad with money) and my own hatred for the system grew once I started working at a retail chain. to know this is just another part of the fucked up system kinda gives me hope I can either escape it or dismantle it
Hell yeah!!!
Literally all of south and central America use credit scores, the fuck You are talking about?
Canada too, but half the country wants to be the US so it doesn't really count.
Australia is trying to bring it in though.