What do you think?
Should it be common practice for all landlord's to screen and deny potential renters if they have a low credit score, criminal charges and/or past evictions on their record? What about if they don't make 3x the rent per month? Or smokers? What about pets and/or children?
Should a landlord be able to just plain rent to whoever they want for whatever reason they want at any time they choose?
- What is considered discrimination and what is considered rent security?
- Is it okay to judge a stranger based on their socioeconomic status :
- is that any different than judging someone based on their race, gender or sexuality?
These "records" They keep on each one of us - do they really, 100% of the time, completely represent the human being they are attached to?
Does yours reflect what type of person you actually are? I would like to run a poll along these lines and see how many people out there really agree that the paper version of themselves is an accurate depiction of who they are as an individual. Does it match up with your trustworthiness, honesty, kindness?
It's clear the world looks at all these rates and defines each one of us directly by where we land in their charts. They crunch the numbers and out pops a little slip that indicates whether we are good enough to be allowed to live.
Think about that for just a minute....
We have a system of measurement which we trust enough to quantify worthiness and put a score on each person's life.
And this score is not just used to buy non-essential "luxury" items like a reliable car or JUST to live in a certain "expensive" areas "above certain standards of living".
- No, this is happening in even the poorest neighborhoods, even state or federal funded low-income housing can deny housing to those with low credit, criminal backgrounds or prior evictions. Don't believe me look it up for yourself.
(I personally defaced this FICO credit score chart which is openly available on bing.com)
These standards are setting the bar for who deserves to be homeless and who doesn't.
If your credit is poor, if you are poor, regardless of the real world reasons behind your current situation you are written off as not good enough to qualify for basic human necessities like a place to live.
Do these people deserve to be homeless? Does anyone?
- From a business point of view
- they are high risk investments likely to yield a loss, so yes they do.
- From a human's?
- Based on what I see going on in my corner of the world - I just don't know anymore.
Landlords have a lot a risk and it is their right to know who they are renting to.
Both very true points.
But when you start looking into the numbers in your area and see average mortgage payment is roughly $2200 for an entire home but you're seeing average 2 bedroom apartments going for $2000 a month some things just don't add up.
It seems like landlord's are a making quite a killing off having good enough credit to own a home.
Now, maybe there is nothing wrong with that - that's capitalism and free market working its charm and it's all well and good for those on the winning end but... when is enough? It's never enough to those who think in this frame of mind.
But what about those who do not make the cut?
Well my 20 minutes is up and I guess I voiced a bit of my concerns. I'd love to see what other people's perspectives are on renter rights, landlord rights, credit scores and social crediting systems in general - do you agree or disagree with the credit score system?
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Oh and to answer your question, the credit score system is asinine, rich people can have a perfect credit score by the time they become an adult without any effort or risk, while normal people have to work hard and sacrifice amenities, and poor people are unlikely to ever have more than a decent score no matter how many jobs they work, how much they sacrifice, or how smart they are.
Landlords don't have rights. Nor do renter. Humans have rights.
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Can I just copy and paste @erebus answer? It is pretty much what I would have said. I may only add that this system isn't going away, rather it is becoming more and more entrenched in everything that we need to survive, if nothing is done to stop this rampant capitalism we will soon need credit reports for our weekly shopping! what schools our kids can go to, the wealthy will do everything to keep the poor down, after all they are beneath them, don't you know.
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I totally I agree @erebus - as I wrote this I was trying to rationalize the "upperclasses" mind frame - those landlords (ahem, lords over the land) who feel the credit syste is necessary in order to choose
serfsapplicants to rent their units. Maybe get those who haven't thought much of the credit system to start thinking (as I said down in your other commetn @erebus - I didn't see this other portion until right now lol)@moonunit it is actually pretty crazy to think where this perpetual system is taking us. cough China's social crediting system cough soon they will be charging for the air we breathe and the square footage our bodies take up on their planet... SMH.. it seems action against it is almost futile. It's quite frustrating.
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The biggest scam is that one is taught from a young age that they need to be able to get debt. Debt and money fights are the biggest destructive force in families and marriages.
Example the typical "credit" card has a 23% interest rate and the typical card holder has $10,000 in credit card debt. That person is paying 23% more for every good and service then someone that does not carry a credit card. If you hold a balance and you charge $10 in gasoline you in effect spend $12.30.
I don't have a credit score and I only pay cash for things. If I dont have cash specifically for what I want to buy say $100 for food and the till comes to 105 I put something back for the $5 as it was not budgeted. Strict budgeting and living below ones means is the key.
No one deserves to be homeless, and the poor are the ones hurt by predatory lending, credit cards, & pay day loans. At least a pawn shop is less dishonest in that if you don't repay the loan, you only loose the stuff you put up as collateral.
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@motinkergnome I do the same thing budget-wise. I learned my lesson with credit cards a few years back and just gave up on them. If I can't pay for it with cash - I don't get it period. I've got so used to living this way that I would never go back to that trap.. I feel awful for those who are still stuck inside that revolving door system.
What is scaring me is the lack of support those without credit in good standing really have. It is getting harder and harder to do anything without a credit card.. and obviously like this article is all about where do you live when every landlord requires a 600 credit score? Finding a rental becomes like finding a needle in a haystack :-[
thank you for reading and commenting!
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Thats why its wrong. Those lucky enough to be born wealthy hoard their money, hurt the economy, kill jobs, and then decide which of the "lesser humans" they think deserves shelter.
Eat the rich, seize the means of production, and seize the homes too. Nobody should go without shelter. Even the worst of criminals are given food and shelter, and in some places even medical care. But the poor? Oh no, not them.
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@erebus thanks for reading and I couldn't agree more. The rich are bleeding us all...the Chinese social crediting system has gotten me thinking more about all types of "credit" and how big of a scam it is.
I'm glad to hear someone agrees. I hope more people do too! Or at least they may start questioning the set up a bit more..
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Food, shelter and clothing are basic material needs. There are also basic emotional and psychological needs and many problems as a result of these not being met in childhood (or later). Emotional and psychological issues can't be dealt with as long as basic material needs are not met - some physical stability is required! The current state of affairs is very handy for keeping huge sections of the population in a state of abject stress, depression and division - this of course just inflates and complicates mental-health! This is not a result of natural social processes. Any adjustment of the system from within is just playing around with variations of extrotion and misery. The fact of the matter is that there is enough to go around and to cover the basics for all. Scarcity is an artifical state of being, and it is a mindset that has penetrated to the core.
Very very messy.
But for all that, it is a system on the verge of collapse, not least because no one is satisfied (not the 'rich' either, else they would cease the exploitation. Such 'rich' people too have a scarcity mindset.), plus people are becoming awake to their dissatisfaction and constructive alternatives are begining to appear and make their presence felt.
Signs that the 'system' is feeling the pinch can be seen in an analogy with a human being 'Control Freak'. When all is under control, the CF is calm and as relaxed as can be. When things start to be shaken up - eg the CF is challenged, the CF reacts by exerting more control (more police, more restrictive laws etc). It is when the CF beings to feel that the control is slipping out of grasp - this is where we are now - then the acts of exerting control become more and more pronounced and imperative (and transparent and ridiculous). We see this in false flag operations, scare and division tactics and all the other various knee-jerk reactions by the system and it's unthinking minions. We seem to be in the final period - perhaps the most turbulent of all as the CF will sooner perish than relinquish control. We will not be destroyed when it implodes/explodes or whatever it may do :D - what reality does an artificial mental construct built on fear and control actually have beyond the myth of consensus reality? Sure it feels real, but that's not the same as having an actual existence.
I think one of the best things we can do is not to give our power away to a system that benefits from a population stuck in the victim mentality. Regardless of situation, if we see ourselves as victims, we are playing into the hands of the system, and we then actually become partially responsible for keeping it going.
It's a fine game with fine lines IMO!
PS. I think this applies to many things, the issues of 'renting' as much as the issue of 'work', 'education', 'self-image/esteem' etc.
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@barge thanks so much for taking the time to comment so awesomely !! I think you're right on the money with you CF analysis - we may be at the point where their clutch is grasping straws but lets hope this is a turning point and not them just altering the grip a bit.. the smart grid and this cashless/5G world makes me very nervous because the criminals would be in control of all the AI - if they bring in a social crediting system before we shake&wake everyone we will be screwed.
I agree very much with what you said about the victim mentality.
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No one deserves to be homeless. That is the plain and simple truth. Plenty of people are homeless and that should tell us we have a F'd up society and put way to many things above our fellow human beings well being.
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@sultnpapper as a society we definitely have our priorities in all the wrong places that's for sure. We should probably stop running our country like a business because then maybe we wouldn't look at being alive like some kind of debt that must be paid off each and every day
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