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F Stands For Facebook: Presenting The New FICO Credit Score
In April, we brought you the "FAKE-O" score or, as we delicately described it, "banks' brilliant plan to lend to deadbeats."
The problem with FICO scores - or any other measure of creditworthiness where the model inputs are linked to payment history - is that they don’t end up being very high for people who aren’t good about making payments on time and that’s bad news when you’re trying to build a successful “originate to sell” model.
If you’re a subprime auto lender for instance, and you want to make as many loans as you can so that you can sell them to Wall Street where they will be put through the securitization doomsday machine, you don’t really care about the creditworthiness of the borrower, but you have to base your decisions on something because if any annoying regulators ever come sniffing around your books trying to figure out why the entire market just disintegrated into a smoldering pile of subprime ashes you can point to a number and say "see, by this metric things should have been ok."
So what do you do? Well, one thing you can do is come up with an alternative way to measure creditworthiness and preferably one which is virtually guaranteed to come back with a happy result, which is exactly what Fair Isaac decided to do. Here’s what WSJ said about the new "unnamed" score at the time:
The new score, which isn’t yet named, will be calculated based on consumers’ payment history with their cable, cellphone, electric and gas bills, as well as how often they change addresses and other factors, according to Fair Isaac, also known as FICO. Traditional FICO scores that lenders use in the approval or rejection process are calculated based on the information in the credit reports from the three major credit-reporting firms, Equifax Inc., Experian PLC and TransUnion.
The new score will instead pull data from a separate database of telecommunications and utilities providers maintained by Equifax.
Got that? The "new score" will determine how creditworthy someone is by asking the utility company if the lights are still on and asking the phone company if the phone is still connected.
Now obviously, some of the last things people will stop paying as they descend into abject poverty are the electric bill and the phone bill, so if you wanted to engineer “evidence” of creditworthiness, this is a good place to start as anyone who managed to keep electricity flowing to their home last month suddenly deserves a loan for a car.
But because that wasn’t (nearly) absurd enough, Facebook has a better idea. Mark Zuckerberg will determine your creditworthiness based on your friend network.
No, really. Here’s The Consumerist:
Earlier this year Facebook announced it would dip its toes into the pool of mobile payments by launching a system that allowed users to send money to friends via the Messenger app. Now it appears the company may take things a bit farther after receiving approval for a patent this week that would allow creditors to determine whether or not someone is worthy of a loan based on their circle of friends on the social networking site.
The patent — which was actually applied for by Facebook back in August 2012 — is for a system of authorization and authentication based on an individual’s social network. It could have several uses, including filtering out spam email and offensive content, and improving searches on the site.
However, it’s the use related to approving or denying a loan request based on the friends you keep that is a bit worrisome.
“When an individual applies for a loan, the lender examines the credit ratings of members of the individual’s social network who are connected to the individual through authorized nodes (connections),” the patent states. “If the average credit rating of these members is at least a minimum credit score, the lender continues to process the loan application. Otherwise, the loan application is rejected.”
According to the patent, the lender would be able to access a potential borrower’s social circle by submitting a request for information from Facebook’s databases. They would then receive a series of lists – grey, black and white – that would be used to determine the average credit score for the would-be borrower’s friends.
And while Bankrate.com's Greg McBride assures us that this is "nothing to lose sleep over for people with decent credit history," it's not the borrowers we're concerned about. The question is this: what happens when billions in loans that were made based on Facebook's proprietary friend check end up packaged and sold to investors? Or maybe more to the point: how utterly insane will this one day look when everyone suddenly realizes that a wave of defaults all have one thing in common... that the underlying loans were made based on borrowers' social networks?
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Oh Shit! I'm not going to have a credit score because I dont do Fakebook or Tweeter.
Will there be a zerohedge credit score?
You are not alone.
Want a fresh start in life?
First find a country that will give you a passport or citizenship.
Then get that passport.
Then sign up for as many credit cards as you can.
Make small purchases but always pay on time or about a year.
Then request higher limits. Keep doing this for another year.
Then in one fell swoop max out all cards and get as much CASH and things you will need in your new home in your new country. Also don't forget to put the airline ticket (one way) on the card.
Then have farewell party with your friends (again, putting the beer and food on the CC)
Then get on the plane and start to enjoy life in your new country,
There isn't a goddam thing the banks can do to you.
Google this "united states extradites credit card fraud". Works both ways.
Horseshit. its unsecured loan
Horseshit. its unsecured loan
Its not fraud ...........its default..
I read what you said
Again, THAT was FRAUD.
What I suggested is NOT fraud when you use your own name.
US banks have NO way to make you pay if you are not a citizen of the USA any longer.
Fraud
Reactivate your Faceslam account, or else!!!!
.....using FaceBook Friends to determine Creditworthiness....
Would that be those people with 5, 10 or 15,000 friends?....
I wish someone would walk right up to Zuckerberg and shake him right in his hand!
I wish someone would walk right up to Zuckerberg and bust him right in his cocksucker!
Fixed it for ya.
Breaking News.
Looks like Bibi's Mossad is already busy
http://www.presstv.com/Detail/2015/08/07/423719/Turkey-PKK-militants-Ira...
This is capitalism in its ugliest form. Where the fuck is the regulator to protect the citizen from such anal horseshit? I'm sorry, the plebs have been brainwashed into believing regulation of any type is a bad thing. Never mind, be prepared to be fucked, for the Lumpenproletariat and Middle America will deserve the arsefucking coming to them. Gawd bless America. Any half decent society would ban such an egregious act, but alas the U.S is no decent society and thus gets routinely abused. If this doesn’t kill Facebook, then nothing will and I for one will be glad to see its demise.
I am surprised these asshats did not decide to determine our credit worthiness by how much we tip....
When this is all over, I only hope we still have some rope left.
All bullish.
That would be rayciss. Cuz blacks don't tip.
Wait, as a group their creditworthiness is shit. Maybe they're smarter than some people think?
My credit score will be 0 then since I'm not on a social network.
All my friends on fartbook are banksters so a 0 for me too.
Certainly don't want to "friend" members of Congress.
Why not? You'll be qualified for "unlimited" credit!
Same here, no debt, no whatever it is score and no facebook. We're gonna need a bigger boat...
Not a problem to get what you need. Switch to hollow points.
I literally have no debt...i rent my place, paid cash for my 10 year old car, no student loan debt, credit card is paid off in full every month and bills get paid automatically or on the 1st of every month. All of this has a negative effect on my credit score.
I was told recently by a friend who runs a mortgage service outfit that the best way to increase your credit is to pay interest on purpose...i.e., keep 20% of your credit card limit on your card so they can charge you interest & do that for 3-6 consecutive months at least - ideally to do it at all times. He also suggested taking out a low-interest loan for something I don't even need and just make minimum payments on it so there's a record of me paying interest on a debt.
So quite literally, the most credit-worthy, those who pay their debts off in an ASAP kind of way are considered bad candidates for loans. I know this is all 2nd grade level info for most on ZH but thought I'd enlighten the select few who weren't aware.
PS: I don't have a Facebook account and haven't for almost 10 years so that's yet another negative to my 'credit worthiness'... lol
Exactly right. Read my escape plan comment down the page.
I have known this for years and used it to MY advantage when I made my break.
You wouldn't happen to be the guy known as the credit terrorist would you? He did pretty much what you are talking about.
How is that being a terrorist? Deadbeat, yes, terrorist no.
Some guy maxed out his credit cards and used that to buy some shit that he wanted and move out of the country, and flipped the banks the bird, and he was dubbed "The Credit Terrorist" because he was very vocal about what he did and why he did it. Basically, he felt that the game was rigged in the banks' favor, and decided that they deserved to get fucked. IIRC, it was in the hundreds of thousands that he defaulted on, and the banks can't touch him.
Good for him.
How is giving a young child a good start in life in another country, terrorism?
Please explain.
Yes it could be said the guy is a deadbeat. However, he did nothing wrong. seeing as the bank gave him the money (unsecured debt) No fraud involved at all. The CC company took a chance and they lost. Simple as that.
One man's terrorist is another man's freedom fighter.
To a bank, anyone who doesn't borrow their imaginary bucks is a terrorist. One who deliberately makes the bank print a bunch of funny money (called a loan), then spends it with no intention of paying it back, is actually trying to usurp the government's power, and is thus a terrorist.
Don't fret it Heywood. To me you are a hero, a freedom fighter, and visionary!
FUCKYEAH!
If you do not have debt, if you use cash, if you are not on social media, you are a risk and suspect, you are hiding something from authorities. This is their state of mind and evil what credit scoring proprietary monopoly and social media are doing.
The debts is good, the dependency, slavery is good, daily confessions good, psychotic delusions about the world great.
It is appalling why we could not calculate our credit score by ourselves with open source formula.
C'mon. You know whats missing. You are absolutely right!: A payment history. Truth is, Jesus wouldn't get a loan without a payment history. Think of it, even the richest people out there borrow money and have a payment history. Take the government for example...
I call bullshit on this line of thought....whoever needs it can just as easily check out my "payment history" and/or "credit worthiness" by looking at my utility bills, rent payments, how long I've been employed, how much I make averaged over the past 3 years or whether I'm willing to put up anything as collateral. Even now under this nonsensical and seemingly arbitrary way of calculating my credit score, they could take these things into account....but no, it doesn't benefit them & to me, it's the single biggest "tell" they've put out there in terms of what their ultimate goal is in this game they've created.
If you're not willing to pay interest, they're not willing to loan you any money. The more interest you're willing to pay, the more money they're willing to lend....it's all about the interest for these assholes.
I've heard of employees at credit card companies calling people who pay their balances in full, and on-time "deadbeats".
A high credit score only means that you are good at being in debt.
Blank Reg was right.
The new score, which isn’t yet named...it is now, presenting FICON putting the CON in financial creditworthiness since 2015.
Very good; thumbs up.
Lol! That's what I like about ZH. Keep up the good work!
The Russians and Chinese are going to be all over this. They'll hack Farcebook and plant bazillions of wealthy moles, so the farmers can have MOAR casino bux to gamble with.
No reason why we can't do the same. 800 here I come!
And, really, it would only be doing the human population a favor!
so if you deleted your FB page YEARS ago, like I did, your just..........screwed?
Not. No debt. No worries. No surveillance.
Welcome to the Matrix. and of course they will SELL this data.
I guess Mother Teresa isnt getting a loan anytime soon
She is dead and burning in hell for a debt that can never be paid back; just like the rest of the world's debt.
Facebook; join up free to be seen and herded. The Zucker Borg welcomes you.
Zuckerborg. Perfect. Anything that produces revenue. Being rich quickly turns into an addiction, I guess.
“When an individual applies for a loan, the lender examines the credit ratings of members of the individual’s social network who are connected to the individual through authorized nodes (connections),” the patent states. “If the average credit rating of these members is at least a minimum credit score, the lender continues to process the loan application. Otherwise, the loan application is rejected.”
I'm guessing this would violate Federal law. I'd sue the lender, if I found out they denied credit because my "friends" have shitty credit scores.
FCRA has $1,000 in statutory damages for each individual violation (yes, they stack,) plus actual damages plus attorney's fees if you win a case. If Facefuck is going to be pulling credit reports left and right, it could get VERY expensive for them in a hurry if they don't watch their Ps and Qs. If we're lucky, we could get to hear some Facefuck attorneys bellyaching about how their business model doesn't work under existing law so existing law should be ignored.
Yeah, the $1k limit on punitive damages is bullshit. Fair Credit Reporting Act, my ass. Credit scores shouldn't even exist. They bypass consumer statements. FICO should tack on 50 points for every consumer statement. The entire credit reporting system is a scam. Pisses me off anytime I think about it.
I agree that they shouldn't exist, but if you bring a successful suit against a somebody under the FCRA for one single violation and are only awarded $1,000 plus attorney's fees, it's still very expensive for the defendant. They have to hire an attorney, and for that you're looking at $250/hr give or take, plus $35/hr for the paralegals, plus the other costs of litigating a case, and if you win, then they have to pay all of your fees too. A successful FCRA case can cost the defendant tens of thousands of dollars even without going to trial.
Isn't Isaac the bartender from Love Boat?
Yeah, but that's a different Isaac. He's black, this one is fair.
Guess I"ll have to start asking potential Facebook friends for their credit scores before friending them or accepting friend requests. Anyone see a problem here? And as for the deadbeats in my network... See 'ya!
This credit linking will ultimately turn into who can use the "System."
I wanted to leverage low interest rates for a mortgage (rather than going back to the scene of the boating accident). Had fiat to toss at them and they complained that my credit was poor. I went, "and, um, how do you think I was able to end up with all this cash?"
Don't have a FaceCrook account... Looks like I'll stay an outsider.
Had fiat to toss at them and they complained that my credit was poor. I went, "and, um, how do you think I was able to end up with all this cash?"
That's preceisely the argument I'll be using when it's time to replace my wheels.
"This is an anormous stack of 100s. I'll trade this here paper for that A6."
"We can't take that. Fill out a loan application"
Jesus Christ.
Data mining is a bitch.
That is just beyond stupid.
They're really just dead to fucking nuts determined to use any measure possible to toss a debt noose around any idiot they haven't snared yet.
Looks like you've hit, and even surpassed, your "Aha!" moment.
and......if you don't use facebook?
I guess if you don't spill your life out on social media, you won't be getting any loans.
Not getting any loans is a big BONUS for you. Pay cash. I even paid for my home CASH by working overseas for 2 years (200K) tax free.
Necessity is the mother of invention and innovation. If I didn't have bad credit score I would have never been motivated to seek tax free overseas job (high paying).
Same as with sanctions. Russia and Iran are doing fine under USA sanctions. Lots of innovation going on and Russian farmers are actually doing very well.
Pay cash more than $5000 and you get a visit from the feds for money laundering. The noose is tightening folks.
That is why more and more people are looking into moving out. Live me :)
“If the average credit rating of these members is at least....."
I don't fb so maybe it's a stupid question, but how does fb have access to their member's credit ratings?
Really? You must not understand what FB is. If you are on FB, they know more about you than any other organization on earth. The FB Friends connections database is the most valuable data they have. And they are mining it for all it is worth.
Oh I understand what a geodatabase is, just never occured to me that fb could access your financial records.
Asshole diameter, fart density, ugly girl index, it's all on there.
If they want that info without getting sued into oblivion, they're going to need to register as a credit reporting agency and then understand that portion of consumer law actually has teeth should consumers choose to exercise them.
You have to love the fact that if a "friend" on facebook applies for a loan, they run YOUR credit history to determine the applicant's creditworthiness. I wonder what that does to YOUR credit score?
Too many inquiries can have a negative affect - even if credit is ever extended.
Soft checks don't affect your score. The scum that send you pre-approved* offers do soft checks. Only hard checks that you have consented to can impact your score. But, consenting once at car dealership can result in hard checks by multiple lenders and lower your score. Be careful out there.
Boy, I should be in good shape. I have a FB in friend in Lee Wanta. He's a trillionair. No seriously!
http://wantarevelations.com/2014/01/wanta-plan-macro-financial-economic-...
He also knows Marc Rich's real name -- Hans Gruber ............... I mean -- Brand .. Brand got away with a lot more than Gruber could have dreamed ..
http://www.veteranstoday.com/2015/05/04/neo-so-much-more-than-nukes/
Oh, for that article that was never translated, here it is ..
http://translate.google.com/translate?hl=en&sl=auto&tl=en&u=http://www.w...
Notice how Youtube charges copyright infringement upon the author and director of his own film ..
https://www.youtube.com/watch?v=yMzucrZKmwY
Just how does that work?
If you have to worry about your FICO score you are already a debt slave.
Or a reasonable auto insurance rate slave. Or a want to get a job slave. Or a need to rent a place to live slave. I'm sure I've missed some more.
An old, very old man whom I look upon as a member of my family asked me something today after reading the morning papers regarding matters such as this.
Who will look after the people that are associated with the protectors of those in power, or directly their families while they are owt at work? What will the protectors of power do when they go home and find they gone or not alive?
Contemplating this problem over a nice smoke and a cup of tea I smiled, I said, Bob mate, I have no idea. You think they will go back to work the morrow eh? The same 86 year old bloke said...
Would you?
Would you?
Keep fucking going you cunts, keep fucking going.
;-)
Interesting question. One i have posed in a similar vein for Police and Fire Protection in most modern cities in the US.
What will the Law and order members do starting with the 5th day of breakdown in law and civil society in most parts of a major city. Will they protect the cities or their families.
Rent a Credit Score, now available on FB
Now Hear This:
"You are not able to prevent the display of your phone number when you call 800, 844, 855, 866, 877, 888, and 900 numbers. The called party, which pays for the call, may be able to identify your phone number using Automatic Number Identification (ANI) technology."
The ANI (Automatic Number Identification system) operates over a COMPLETELY different "circuit" than ordinary "Caller ID". It provides EVERYTHING about the credit rating, criminal record, etc., etc. of the phone service client if, for example you call "911".
This has existed for at least 40 years, long, long before caller ID was introduced. And most people never even knew about it. No, it cannot be blocked in any way.
THEY LIVE is a documentary. RIP Rowdy Roddy Piper.
UR so right. No more smart phones for me. I use anonymous, throw away phones and change them periodically. Phone number + email address and you are an open book. Not so much about the NSA, it's about hackers and marketers who can access everything you do and then can make the data available to anyone.
I'm all out of bubblegum, Bitchez!
I predicted 2 years ago that soon people won't be using their real names and info on Facebook.
I use Facebook for my own agenda. Informing as many people about whats really going on in the world.
They can ban me but as long as I can keep concocting names I always come back.
Just today I sent links to over 100 churches and Christian organisations about THIS. It will never be reported in USA media.
http://presstv.com/Detail/2015/08/07/423647/Israel-Bentzion-Gupstein-Wes
arent the Credit companies also giving people slack on Medical bills, paid or unpaid?
I can pay off all of my outstanding unsecured debt tomorrow and my FICO score only goes up 26 points. Mortgage only low mid $10,000.00. What a fu**ing scam...
I can pay off all of my outstanding unsecured debt tomorrow and my FICO score only goes up 26 points. Mortgage only low mid $10,000.00. What a fu**ing scam...
Basing your credit on your circle of friends is not a terrible idea. Seriously, think about the deadbeats you know. Who are their friends? Do they hang out with deadbeats or do they party with doctors and lawyers? I remember reading one article where scientists could assign probability that you are gay based on your circle of friends, and it was remarkably accurate. Gay people tend to have gay friends. Fancy that.
"The new score will determine how creditworthy someone is by asking the utility company if the lights are still on and asking the phone company if the phone is still connected. "
FICO scores already look at power and phone bills. Defaulting on your phone bill seriously fucks up your credit score.
Wait till the make it impossible to access your FICO score without logging into Facebook. And don't say it won't happen.
Sorry son, can't give you a loan because you don't have a Facebook acct.
The higher the credit score, the more gullible they think you are...
If any are curious about the real history of Facebook and Zuckerberg ..
http://www.therealnewsonline.com/our-blogs/facebook-and-its-connections-...
And now for the really good news. Facebook and Google are about to be replaced ..
Punch in the following: http://iconmessenger.com/
You will get a dead page. It's not live yet. But please standby and get ready for something most superior to FB or Google ..
In the meantime, you can hear this from the horse's mouth ..
https://app.box.com/s/769a4o7oixga7au2iz0a7nnxouicngrq (Alex Powers 8/5/15)
Don't use Facebook, I consider it to be mental and spiritual poison.
Got out of debt last month. Bought the new house for cash , truck in cash, no credit card debt, no student loan, no nothing.
Have a credit score of 650. Doesn't matter, because I'm never going into debt again. Soon die. Not kidding.
Funny part? I asked for a limit increase on my credit card. It was 20k. I decided to have some fun with the bank and demanded a 50k limit. Even with my piss poor credit score they approved it. What gives?
It ain't the stock its the flow 'bro.
Tyler has said that a long time ago.
Oh great. My FICO is 820 but my friends are musicians.
Try being a Druid. One-third of your friends are computer security experts. Another third are musicians, and the last third are on the run from the DEA. But your own most notable economic rebellion is growing organic fruit trees and deliberately letting moss grow on the roof.
Honestly, if the corporacracy gets any stupider, they'll forget to breathe and save us the effort killing them.
F*K Facebook!
A better way to assess "creditworthiness by association" would be to use Linked In.
I stay far away from any social media that attempts to extort my identity for public dissemination.
F Facebook. Anyone who is on it deserves to be " raped". It is a self reporting tool used by FBI, CIA, NSA, DHS, FICA and whatever other three or four letter agencies are out there.
Ditch it already.
"Good news"???????????
US consumer borrowing hits another record in JuneWASHINGTON (AP) — U.S. consumer borrowing hit another record in June, good news for the American economy.
Associated PressWhat else needs to be said but a hearty and soulful FUCK YEAH!
Looks like my decision to give up facebook was the right one. Also got rid of my cellphone and no gas bill. At some point I will get solar and get rid of my eletric bill too.
LOL,
Soon Facebook will keep tabs on where your at and alert retailers when your entering their store and what you like to buy.
Anyone have common sense would delete their facebook accounts.
F Zuckerberg.
Soon?
http://www.wsj.com/articles/SB10001424052748704336504576258740640080926
Remember Zuck characterizing all of his FB subscribers as "dumb fucks for trusting" him?
Do you?
Anybody using that piece of shit with their real ID deserves what they're gonna get or are already getting.
There are no do-overs in life. If you're stupid and you fuck up, you own it.
FUck Facebook.
Hello, FB help, I cannot seem to get an account.
Are you Jewish?
Yes.
Well, that is the reason. The Chosenites are forbidden to have accounts.
I went off-grid 15 years ago and never regretted my decision.
Fuck credit.
It's 2015 and all news now reads like The Onion.
Fuckerface, Trump won last night regardless of your position on illegals.
I still wear a regular wristwatch. People with smartphones on their hips still ask me what time it is. Just an observation.
fartbook
I have to be on it for business....fucking HATE the fucking shit....always annoying fucking emails....asinine updates...
what a fucked up way to ....well...get around by friend requesting assholic elites like Branson, Bono, and every millionaire you know....chalk the line up with money....fool the fucks
.
http://albainternazionale.blogspot.it/2015/08/sparatoria-nashville.html
Shooting in Nashville ....
If I'm Facebook friends with 1 billionaire, 2 niggers, 2 ragheads, and 3 trannies, do I qualify for the luxury car loan? I figure my credit AND my diversity score are 850!
"Sorry, sir, but you must add 1 genuine homosexual, then we will approve your loan."
"But I have a buddy in ISIS!"
"Well, why didn't you say so? Approved!"
I have a Canadian friend who comes from an exceedingly wealthy and very connected political family. I love the guy but he is basically a Canadian NeoCon. He told me years ago that his Canadian buddy sold a FB data mining company to a California company. Is it true? Hell if I know but it's enough for me. Do you want your future employers data mining your not private messages?
Even if it's not true, shortly it will be.
I know lots of companies up here that look at applicants facebook pages. You don't even have to sell the information, people are stupid enough to put it on there themselves. I'd hire the people not on there, like myself.
What if said applicants don't do social media? Are they round-filed?
Inquiring minds want to know
I would load up my friends list with lots of hot women who say ''willing to share with employer''
The KFM (Kike Fraud Machine) is in full effect. Full on fraud of the Goy by the historical fraudsters launched from all fronts.
Even if you have not ever signed onto Facefuck (and I haven't), you still have a Facefuck account. Yes, that's right, FB gathers info and keeps accounts of non/never-members. It is quite disgusting; there is no way to completely avoid the FB contamination other than being homeless and living by panhandling and dumpster diving.
You have to admit that ZioNazi Jews are smart. Who else could make people willingly give their complete life history and details on the internet?
Stroke of genius (if you like evil).
Kind of how the Germans tricked people into taking 'showers''.
"You have to admit that ZioNazi Jews are smart." No, I only have to admit that they collude and are crooked.
In general I agree with your viewpoint on Facebook, but if you still believe the Germans tricked anybody into taking showers you need to do some homework.
While I have agreed with some of the points made in your posts in the past, I always get a little concerned about people that 1) heap praise on the chosen, 2) are quick to concatenate the term "Nazi" (a cabal-invented label) onto everything and everyone they don't like, and 3) still believe in the Holohoax.
You've now got some heavy lifting to do to convince anybody on ZH that you are not a cabalist troll.
Heywood is a troll.
He seems very enthusiastic in his role.
Yes, I am . so what? Go report to your Gestapo commander he needs your lips on his dick for a while.
Does your mother know your blogging?
Soon it will be internet history approval. Hey, this guy went on 'nbc finance' a while ago, approved.
Do you have an EBT card?
Yes.
Do you have an O-Phone?
Yes.
Do you get more than 50% of your income from taxpayers?
Yes.
Congratulations, Mr Jefferson, you have been approved for a new Chevy Tahoe or Jaguar!
Surprise, surprise. F*ckerberg and his fellow chosen have come up with a new usurious credit rating scheme (check out their history, this is nothing new) to perpetuate their traditional role as parasite in our society.
I guess the host isn't quite providing enough blood any more - as true Americans wake up to their treachery.
I am the spy of all media.
No, you're not.
OK, then, Bath House, plop it out on the bar.
Ha! Beat that, Zuck.
OK, you win, but I'd rather suck it.
OK.
Adds a new dimension to the term "face value".
I think that today a question about risky loans is very popular and necessary. Almost all banks reject the applications made from people with no payment history or very low credit score. In such conditions people have to benefit with Canadian payday loans online with quite higher interest rates, as lenders try to insure themselves while working with risky borrowers. And such situation makes people poorer, as they have no other option instead of paying so high charges. That is why I think that the government needs to create some special system for people who have never taken loans and protect them from losing their money.