Hate the Federal Government & Banksters, Let Me Count The Ways

[Randolph]

Busy right now, always busy, just trying to make it.

Been too poor and unstable to stay in one place most of my life. Disabled, but never used that as a crutch. Kept on keeping on. I am legally deaf.

Refused any commie stimulas or other give me dat program. Slowly, but surely, pulled my own self up by my bootstrap.

Can finally buy a home at the age of 56. Can't. My credit score is zero. Have to have a credit score according to fed regulations.

Ok, signed up for a $500 limit credit card at the local bank, showing my money clip with over $1,000 in cash. No brainer, right?

Declined. No credit history.

This country punishes those of us who live with the hand that is dealt us, don't whine, and make the best of it until better times.

Maybe I need a Doomer Gal? Ladies, I am a good looking single guy in good shape. Employed and can take care of myself. Maybe I can find love and a credit score?

 

[Mountain trapper]

I've always recommend that people get a credit card, use it occasionally and pay it off. Take out small loans, and pay them off. Like it or not its critical to have a good credit score now days. Just like in your case, maybe someday a person wants to buy a house or new car. Hard to do without credit. Only other option is to pay cash.
The country isn't punishing anyone. Its just the way the game is played. My son bought a piece of land several years ago, paid cash. He always paid cash for everything, built his house out of pocket. Then he wanted to put in a well and didn't have enough cash. He tried to get a loan and was turned down because he didn't have any credit. He took out a credit card and other small loans, paid them off over several years. Now he has a good credit score. It takes time. I got my first credit card at 18, first house at 19.

 

[Proud Prepper]

I use credit cards and credit scores to my advantage. I don't pay any interest and I make money using them for all my bills, with cash back and rewards. Having a credit score in 820s is a great benefit to me.

 

[Mountain trapper]

I use credit cards and credit scores to my advantage. I don't pay any interest and I make money using them for all my bills, with cash back and rewards. Having a credit score in 820s is a great benefit to me.

When I was still working I always had a company credit. I'd charge up several hundred thousand dollars a year, and I got the travel rewards. The wife flew back and forth to Alaska for years for free on those rewards.

 

[Jayson]

The social parasites in The Peoples Republik of Kalifornia get one of these cards. Unlimited funds to buy cigarettes, liquor, prostitutes, etc.

 

[Schattentarn]

Credit is how you service your debt. If you need their debt, you need credit. A musician from the early 1960s once told me, "if you have 2 million dollars in the bank, you don't need credit.

Basically, you need credit to purchase real property if you do not have the cash. After you buy it, you can dissolve your credit. I did this. I have no debt now and no credit now. I have the cash for real property I need.

 

[backandbeyond]

I bought my first house for cash, it's not hard to put together enough cash for a house as long are you are prepared to move well away from the city. I haven't used credit since my early twenties, it's a scam, in more ways than one too. A unseen consequence is that you tend to buy a lot of shite you wouldn't if you had to pull out hard earned cash and count it. You don't see the money when it's on credit, it's an abstraction.

 

[Mountain trapper]

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The social parasites in The Peoples Republik of Kalifornia get one of these cards. Unlimited funds to buy cigarettes, liquor, prostitutes, etc.

Prostitutes take credit cards? These are truly great times we're living in.

 

[MOS0231]

I've always recommend that people get a credit card, use it occasionally and pay it off. Take out small loans, and pay them off. Like it or not its critical to have a good credit score now days. Just like in your case, maybe someday a person wants to buy a house or new car. Hard to do without credit. Only other option is to pay cash.
The country isn't punishing anyone. Its just the way the game is played. My son bought a piece of land several years ago, paid cash. He always paid cash for everything, built his house out of pocket. Then he wanted to put in a well and didn't have enough cash. He tried to get a loan and was turned down because he didn't have any credit. He took out a credit card and other small loans, paid them off over several years. Now he has a good credit score. It takes time. I got my first credit card at 18, first house at 19.

I told my daughter the same. Her credit score is in the 700s and she is 24.

 

[Jayson]

Prostitutes take credit cards? These are truly great times we're living in.

The hookers have a special Lay-away plan.

 

[Randolph]

How about any of you come up with an idea for someone who cannot get a credit card? How do I get a credit score?

Really do not give two sh#ts how wonderful your life is.

I know how to survive through the worse life can throw at you. Doubt many of you can. Lose everything, where will you start? Been through that too many times. I know how to survive SHTF. Most of you don't.

I need to get a credit score, now without the banksters, in about eight months.

The owner could have sold my house and kept me a renter to someone else. He is giving me time to figure this out.

Meanwhile, Joe Dementia is using the tax dollars taken out of my paycheck to help those who cannot pay their mortgage.

I can pay a mortgage and cannot get one.

Understand why I have no sympathy for anyone else?

 

[Randolph]

I bought my first house for cash, it's not hard to put together enough cash for a house as long are you are prepared to...

Thanks for nothing.

Do you understand I am given very limited time for the home I want and can afford? Months, not a few years.

Not everyone has a life that can be well planned out.

**** happens. Opportunities come up unexpectedly. Some are dealt a rotten hand in life. No matter what life threw at me, I survived and thrived.

For those of you who think you are well hidden, way past time to drop that illusion.

Bounced threw 12 states. Met easily hundreds. THEY KNOW where you are and have been watching for years.

SHTF, those running for their boondock hideout will be the first to get taken out.

How's that for a reality check?

 

[Mountain trapper]

How about any of you come up with an idea for someone who cannot get a credit card? How do I get a credit score?

Really do not give two sh#ts how wonderful your life is.

I know how to survive through the worse life can throw at you. Doubt many of you can. Lose everything, where will you start? Been through that too many times. I know how to survive SHTF. Most of you don't.

I need to get a credit score, now without the banksters, in about eight months.

The owner could have sold my house and kept me a renter to someone else. He is giving me time to figure this out.

Meanwhile, Joe Dementia is using the tax dollars taken out of my paycheck to help those who cannot pay their mortgage.

I can pay a mortgage and cannot get one.

Understand why I have no sympathy for anyone else?

Its kind of hard to have sympathy for you when you come across like you have a chip on your shoulder. Getting credit is something that you should have started on in your teens or 20's.
Do not assume that most of us have never never had struggles in our lives. Many of us have, and many of us have put enough away so we don't ever have to struggle again

Have you tried looking for someone that will do an owner carry contract? A lot of owner carries will depend on how much you have for a down payment. I've carried many notes over the years, and I always expect 30% down, plus a high credit score.

Some lenders have a first time home buyers program thats usually 0% down. Of course you'll still need credit.

Not many lenders, probably none, will make a loan on someone that doesn't have any credit. Its just too risky. Its going to take years to get a good credit score.

 

[Dani]

I dont use credit cards. . . until I get a notification of them closing my account and then I will make a purchase and then pay it off at the end of the month. Sorry @Randolph, my dad made me start early in life at 16 to build what he called "credit" for the future. I really wish I could help you out. Maybe try taking out a loan at your bank and then pay it off? My ex-husband put me in at least what I called "major"debt using my credit card at a little over @10,000 with only a couple purchases, that I had to pay off, along with his Best Buy credit card. I shut that down quickly! I was at the time making minimum wage at the time.

 

[Randolph]

"Its kind of hard to have sympathy for you when you come across like you have a chip on your shoulder."

How many times have you have everything stolen from you? Seven years ago someone stole everything. With the clothes on my back, I came back. Fourth time.

You need to understand the poor and disabled are preyed upon. I've always came back, meaner than before.

Ask yourself, can you make it back 2-3 times, losing it all. I mean all. Possessions and any history, references. Start all over at middle age.

I have done it. Now the banksters, feds, and the clueless like you still do not want to give me a break.

Let the SHTF, I am more than ready. Lived it most of my life. About time those who had it easy, and think they can survive be put to the test.

Most of you here will not make it. Survival is 99% mental and character. Not what you have.

How many of you moved to a different state with your gas tank running empty with 50-cents left in your pocket?

I did it, 16 years ago.

A year later, still lived in a vehicle at 5°F.

Finally found a place later that year.

Problem is, most of you giving advice on survival really never been put to the test. It's all speculation and theory to you.

 

[Randolph]

"Not many lenders, probably none, will make a loan on someone that doesn't have any credit. Its just too risky. Its going to take years to get a good credit score."

Now to be fair with you.

Thank you for being upfront.

Kind of realize this and planning accordingly.

Life is not fair, fine. Don't expect me to be fair either. I am a survivor.

Figure by next Spring I can make my move if the banksters and feds don't keep floating the deadbeats.

Please, don't forget, I have been homeless off and on for the past 16 years with no one giving two sh#ts about me.

Finally have some tread, and stuck up society tells me I need a credit score.

Let it burn. Really burn. Well past time to let nature, not government, decide the survival of the fittest.

 

[M0del_31]

I spent a few minutes on google and came up with Fingerhut
I never used them but saw their ad on TV as well. Not promising it will work for you but it doesn't cost to check it out.
They seem to be about establishing or rebuilding credit. On their website, the have a variety of products.....shoes, power tools...etc. Don't buy stuff you don't need. Everybody can use socks and shoes. Everybody needs a cordless drill. Make the payments, fingerhut reports to the 3 major credit bureaus....after 3-4 months apply for a regular credit card or different store card, buy something small and pay it off. You won't build a 800 credit score in 4 months. Maybe this can be your start.

 

[Randolph]

"Maybe try taking out a loan at your bank and then pay it off?"

Not an option.

For godsakes I showed up at my bank with over $1,000 in my money clip asking for a rinky dink $500 limit credit card.

Also asked someone to cosign a personal loan. They keep the cash until I pay it off.

As far as I am concerned this country can go to he'll.

 

[backandbeyond]

Thanks for nothing.

Do you understand I am given very limited time for the home I want and can afford? Months, not a few years.

I understand that you have pissed your life away, probably because of that monumental chip on your shoulder. And now when the wheels are about to fall off you are crying "unfair unfair"

I knew a deaf guy once, shared house with him. We caught him cheating at cards one night and he was always trying to sleaze onto our girlfriends using the pity angle. Now I keep away from disabled people because in my experience they are all pretty f*cked up and will use you. Like you crying out for a "prepper gal" to support you. Disgusting.

 

[backandbeyond]

Most of you here will not make it. Survival is 99% mental and character. Not what you have.

Wrong! It's all about how much money you have and where you live. You think JW Bush will suffer in the years ahead? Or a rich man living on an island estate? You will starve to death long before I have run out of chocolate bars.

 

[Schattentarn]

Let's go to plan B, OP. Put together enough cash to buy a piece of land in Northern Idaho. The three most northern counties have no building codes. I would start with a pit house, a dugout house in the earth lined with stones. With a firewood supply and a wood stove, you can make the winter but you will have to pee and poop outside in a pit. Next spring, improve. Maybe a long home over the dugout house. Next year improve. Maybe a propane generator or solar. So on and so on.

 

[Randolph]

Let's go to plan B, OP. Put together enough cash to buy a piece of land in Northern Idaho. The three most northern counties have no building codes. I would start with a pit house, a dugout house in the earth lined with stones. With a firewood supply and a wood stove, you can make the winter but you will have to pee and poop outside in a pit. Next spring, improve. Maybe a long home over the dugout house. Next year improve. Maybe a propane generator or solar. So on and so on.

How much for a piece of land?

Any jobs? I survived a few years along the Appalachian Mtns working under the table. One year living in a tent laying concrete during days.

I know how to survive through the worst.

I am pissed off doing all the honorable things and seeing others being bailed out.

 

[Randolph]

Wrong! It's all about how much money you have and where you live. You think JW Bush will suffer in the years ahead? Or a rich man living on an island estate? You will starve to death long before I have run out of chocolate bars.

LOL!

Someone like me will slit your throat and eat your chocolate bars before going hungry.

I used to be a happy go lucky young lad.

What doesn't kill you will not only make you stronger, but meaner.

I have been on a good streak for a few years. Why I can finally afford a home.

But I never forget what I been through.

The poor and downtrodden you mock, I am the first to offer kindness.

When all hell break loose, I will at least escape round one. Someone like you will not.

 

[EastenerWesterner]

2 years ago I recommended my son for a SW card for the miles, he got turned down. 2 years later, he got a mortgage for a house with 1 year of steady employment history.
Difference- not much of a steady job history to a job with the state.
Those few years in the mountains under the table didnt help you. Back in the 80’s it was a sweat with less than 5 year steady job history and paying off a Mobile home mortgage at 18%.

 

[backandbeyond]

Someone like me will slit your throat and eat your chocolate bars before going hungry.


The poor and downtrodden you mock, I am the first to offer kindness.

I understand now. You have a mental illness, you are excused.