The careless errors of credit reporting agencies

Re:The careless errors of credit reporting agencies by nommm-nommm on Sunday September 11, 2016 @10:07PM (#12476772)

This makes absolutely no sense. You are using your own money when you swipe your debit card. You are using someone else's money when you swipe your credit card and you pinky swear you'll pay it back later.

You can't go into debt using a debit card because you are spending your own money you already have.

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Re:The careless errors of credit reporting agencies by ThomPete on Monday September 12, 2016 @10:57PM (#12485345)

You can gauge into peoples financial responsibility simply by looking at how much they manage to save, how often they hit zero or almost zero on their account etc.

These are much better indicators of your ability to handle money than spending money and paying it back to build credit history.

Again it works in other countries and so of course it can too in the US.

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