Massages hurt your credit score

[gojira]

Is this much different than auto insurance companies raising your premium due to a bad credit rating (that may be a result of marraige counselling)?

I als think it's bullshit for insurance companies to look at credit ratings to determine your rates. I understand where they're coming from, as I'm sure that statistically people with lower credit ratings are higher risk. The problem is they only use the information to raise rates. You never hear them say, "Hey Mr. Johnson, your credit score is above 700, so we gave you a 10% discount". It should work both ways if they're going to use the criteria, and it should be spelled out and transparent.

In California providing your Social Security number when shopping for insurance is not required by law. And they cannot deny you insurance if you don't provide that info either. Therefore no credit checks.

What I wonder is which circumstances absolutely require a Social Security number. It really irked me when the home phone company kept insisting I provide them my SSN upon signing up for new service when the reality is I don't have to provide the number. They just put a maximum limit on the account.

[duc_fan]

*sigh*

I really hate the credit industry.

I also dislike the culture we have that has driven prices of "must have" items to a level where debt is the only practical way to attain such things.  Like, oh, a 4-year engineering degree, or a house.

Looks like now I also need to carry around a list of the items I should buy with cash, because Big Brother is watching. 

The 9mm SIG I picked up a couple months ago and my most recent trip to the range will be the last time I buy a firearm or ammo with my credit card.

(NOTE: I don't pay interest, pay it off in full every month, I just use it for the cash back... CapitalOne and Discover effectively pay me for using their card ).

[Drjones]

and to think there is a medical insurance "fico score" in the works 

[krolik]

Two words:  PAY CASH