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I tried to open a bank account at a credit union while homeless. Had $42k on my direct express card, finally on SSI, lump sum was for the previous year while unable to work.
No debts, never used a credit card. Couldn't open a bank account. Had to go thru a program that assigned me a fake credit card debt that I had to pay off for 6 months to get my credit score high enough.
Credit scores are a scam.
This is my point, thank you for sharing your story.
If you are injured, not lucky or born into less fortunate circumstances, this credit system will stop you from taking control of your life.
Indeed. As evidenced by the fact that doing things that are money-smart (in general, stuff that amounts to avoiding debt) is actually harmful to a credit score. The powers that be want you to consume on borrowed funds.
It's depressing what happens when we give corporations the leeway to do whatever they want, isn't it?
Sorry but that credit union sucks and you needed to move on. Credit unions should never deny someone an checking or savings account if they do not have a history of abuse.
To be fair I wouldn’t loan money to a homeless person either.
He wasn't getting a loan
What they're describing is a pretty common financial product. They process a small unsecured loan which is placed straight into a escrow account with autopay so as far as the credit calculation goes they have a loan for which they are making consistent payments on until it's paid off. It's basically a hack to get some positive line items on the credit report to to try drag the score up a little