this post was submitted on 25 Jul 2026
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I just keep my score at shit levels cos the amount of junk mail I get when it’s good is worse than having bad credit (subjectively)
lock my reports to reduce spam. keeps card offers down, afaict. something about hard/soft inquiries get rejected, i guess. who knows
Yeah I’ve seen I can do a few things to prevent it, the stubbornness in me asks why I have to be responsible for asking them to not run my credit without my permission in the first place though so I just don’t want to make the effort on it
I own my house outright. I'm completely debt free, and I intend to keep it that way. Absolutely no idea what my credit score is ... and I don't give a fuck to find out. Because I've escaped from the system. The credit score doesn't matter to me at all anymore.
Congrats
It's only because I got run over by an idiot in an SUV and got a decent lawsuit payout from it.
Best thing that ever happened to me, really.
Honestly, I wouldn’t mind getting a leg mangled a bit for a payout. I already don’t participate in the system as much as possible (IE I do not work in any “proper” way) so a more certain chunk of money would be nice