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A comment on FICO to incorporate buy-now-pay-later loans into credit scores. Parent comment

Re:FICO to incorporate buy-now-pay-later loans into credit s... by JamesBarney on Tuesday June 24, 2025 @02:34PM (#44369276)
The median household income is 80k which is plenty to afford groceries and rent.

How did you come to believe that half the people in the richest country in the world can't afford to eat or have a roof over their head?

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Re:FICO to incorporate buy-now-pay-later loans into credit s... by hackable_sand on Wednesday June 25, 2025 @02:01AM (#44374047)
Because it is a lived experience.

I will say the exact same thing for me and 90% of the people around me.

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Re:FICO to incorporate buy-now-pay-later loans into credit s... by JamesBarney on Wednesday June 25, 2025 @10:30AM (#44377776)
I know a few people that are really struggling on 20k a year where they can barely afford groceries and roof. But based on all the data that isn't the norm.
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