#i. simply cannot argue with it
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i was tagged by @chefsydney to take this test & name 10 characters i was associated with <3
1 - monica gaztambide (la casa de papel) 84%
2 - raj koothrappali (the big bang theory) 80%
3 - will byers (stranger things) 79%
4 - aimee gibbs (sex education) 79%
5 - georgiana darcy (pride and prejudice) 78%
6 - emily fields (pretty little liars) 78%
7 - frodo baggins (lord of the rings) 77%
8 - charles boyle (brooklyn nine-nine) 77%
9 - sam evans (glee) 76%
10 - george o'malley (grey's anatomy) 75%
i'll tag @ahaura @hotgirlcoded @valkilmerr @wanderinqhoul @judesstfrancis @milfeivor @girljeremystrong & anyone who wants to do it !!
#i. simply cannot argue with it#i dont actually remember monica from la casa de papel and ive never seen big bang theory but i have no doubt theyre accurate#this list is so spot on im not sure whether i should be offended by it or not#dkfjfjfjnfnfjfjfjfh#thank you sm brigid!!!!! <3#tag game#yslana talks
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In watching more interviews with Liv about Van and the escalation of Van's pragmatism to such dark degrees, I find myself genuinely baffled that anyone could ever think Van the bad guy. I mean, I'm perplexed at finding ANY of these girls The Bad Guy. The bad guy is the situation. It's being lost. It's freezing. It's starving. It's being scraped down to the barest bone of being alive. They make choices that might be snippy, or cruel, or hard-headed, sure--Shauna refusing to just hash it out with Jackie; Jackie being too stubborn to come inside; Taissa refusing to discuss her situation plainly; etc--but by the time we reach the end of season 2, it doesn't even matter. Petty bullshit doesn't matter. Jealousy doesn't matter. Those things are still going to be present and complicated, because--for all their choices, for all the distancing they're trying to do--these kids ARE still human beings. But it isn't the point.
The point is survival. Plain, simple, straightforward. Van's pragmatism is survival. It is the difference between living another day with blood on your teeth or dying pretty. It is the difference between fighting forward through the fire and the snow and the hell of it all, and laying down to die. Van knowing, in watching the ritual violence of Shauna beating Lottie nearly the death, that they will be killing and eating one another soon. Van coming up with the cards for the hunt. Van not blinking when the moment comes, Van choosing a weapon that doubles as a tool to bring the body back, Van refusing to apologize for staying alive--it's not evil. It's not Bad Guy behavior. It's purely about survival, because there is nothing else left to her--or to any of them. They can play the pretty little Sweet Angel Girl game and die, or they can get dirty, bloody, horrific and fight. Van chooses the fight. Van chooses to fight for herself, for her lover, for her team, even knowing not everyone is going to make it out...because the alternate path there is that no one makes it out. Van knew the baby wouldn't live. Van knows the rest of them won't, either. Not unless they start making the hard choices.
And, honestly, the fact that Van sees this narrative coming. Comes up with this plan. Brings out the cards. To me, that is the opposite of Bad Behavior. That is as close to justice as anyone can find in the wilderness. If someone else came up with an idea, maybe it would have come down to voting--but that would have had such a human element to it, with bitterness or hostility or whatever ultimately petty shit always comes of humans selecting who to Other. The cards don't leave room for that. It isn't fair, because the situation isn't fair, because Man vs. Nature isn't fair, but it's as close to a just system as they could possibly find. It's the kindest solution to an unwinnable game. Not to bring it back to American Gods again, but all I can think is "it's easy, there's a trick to it: you do it, or you die." Van gave them that.
#yellowjackets#yj meta#van palmer#i simply cannot ever accept people blindly hating ANY of the girls for their actions at the end of S2#because by that point it's not about personality flaws or errors of judgement or teenage bullshit#it's survival. it's literally do or die.#be mad at the stuff they did the first few weeks out there. THAT was in their control.#but by the end of S2 it's 'do i want to live? cool. then this is the next step. there IS nothing else. we are eating belts.'#every once in a while on instagram or somewhere i see a hot take like 'oh this whole thing is THIS girl's fault'#and it's like no no. no--apart from misty busting the black box--NOTHING these girls do will change the fact of their situation#they might make it worse or make it more palatable but in the end#it's the purity of man vs. nature as a story#and any of them getting darker. more logical. more pragmatic. just means they're putting another day breathing first.#the human element of it comes in with the faith and the ritual and the acceptance of violence--but the violence was coming either way#'this place cannot be argued with. and that is how we survive: by giving into that.' exactly. liv hewson you genius. exactly.
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i don't care that sokka and zuko have like negative chemistry. of course i pick on their hand on shoulder moments but i am fully aware they give us nothing. i am not a zukka truther i am a zukka "i believe in this because i can and that's enough." zukka is real to me because i think they're both neat. now kiss.
#they don't need to have chemistry in canon because they have already been married and divorced in my mind#i won't argue with you about what happens in the show#in my brain im grabbing them like ken dolls and making them kiss and play house#anyways#zukka#just thinking abt atla ship wars and how u cannot argue against zukka#simply because i made everything up abt their relationship#that's right its all pretend take that#leaf op
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inexplicably i dont think tori can swim
#dont ask#i just feel like it#i know we've seen her at the pool and whatever#but swimming?#no#she simply cannot#do not argue with me#heartstopper#charlie spring#tori spring#solitaire#nick and charlie#reading#nick nelson#solitaire alice oseman#alice oseman#osemanverse#sprolden#michael holden#micheal holden#tori and michael#solitaire book#victoria spring
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Dysprosium, Mary Soon Lee
dysprosium, AN 66, is a silvery-white rare earth metal. its name is derived from the greek dysprositos, meaning “hard to get at”, owing to the difficulty in separating and isolating this rare earth element. dysprosium is used to measure neutron flux, to fuel reactors, and to activate phosphors. terfenol-d is a magnetorestrictive alloy, meaning that it changes shape when a magnetic field is applied, and is used to manufacture underwater acoustic systems.
jason “robo” robertson, dallas stars #21 for @simmyfrobby’s nhl periodic table poems <3
#i had a couple different ideas for poems that were taken by the time i could go deranged for a couple hours to make this but as I looked#i was like WAIT NONE OF YOU KNOW HOW MUCH I LOVE JASON ROBERTSON YOU HAVEN’T SEEN MY TEXAS CAM and had to do it. also was STRUCK with the#sudden immaculate vision of the Dallas D as part of terfenol-D and could not get it out & robo is the most dance! person i know on the team#liv in the replies#dallas stars#jason robertson#nhl periodic table poems#guys i am plagued with visions and no execution skills!! every day i come here and learn one new skill on GIMP the way god intended!!!#today it was emboss. also cannot claim any credit for the pulse to the magnetic beat photo which is so cool that was one where i had a#couple and was like maybe i can do like crayon shockwaves like the art process video kasper showed? and then found that picture and was#like thank you lord stanley for knowing my limitations. thank you for your understanding in this moment it was a trial enough to make#expand contract dance and one would THINK i would have fucking learned from the claude animorphs tragedy!! i did not. but i did use the#shear tool and 3D rotate so at least if we’re animorphing it’s SLIGHTLY better. anyway me frantically doing this like WAIT WAIT WAIT WAIT#WAIT FOR ME YOU GUYS ARE SO FAST i keep seeing all of these and just spinning around in circles until i get dizzy & fall down I’m so happy#the drive folder for this is just called joy!!!!! because joy this is such a cool idea but now because it brings me so much joy#i just saw the Travis dermott one and burst into tears super normal AND someone did exactly what i wanted with hydrogen which was the water#the ice!!!!! it’s so perfect!!! and cody ofc did silver lord stanley. like does it ever make you cry how beautiful & creative everyone is?#anyway if you see me post and delete this and then update it or change it no you didn’t it’s fine. but i wanted to be included#if i could make the dysprosium letters not have a white background i would I simply could not fuck with it at 1AM. we are hitting send#it may not look like it but i queue#pretend i spoke at length about the reasons why i picked all the pictures & the element just know that it’s there inside my brain u can ask#GUYS I TAKE IT ALL BACK I SAW NEONFRETRA’S ISOTOPES AND I COULD MAKE THE EDITS EVEN THOUGH THEY’RE THERE!! ISOTOPES!!!! YOU GUYS!!!!!!#get ready for the edits then. dylan magnesium my beloved child of stars who can never return… like i wish i could say anyone else but it’s#i KNOW number nineteens bismuth don’t make me Google how many years nolan played hockey but also there’s ej for stable so.. also half-life#actinium claude giroux my beloved… when i saw there already was a claude i thought maybe Brady too for that#I don’t know how but flerovium doubled magic is percolating in my brain as was promethium bad boy because I was like hmmm. tyler. but#couldn’t commit and THEN SOMEONE DID BAD BAD LEROY BROWN TYLER BERTUZZI TO PROMETHIUM AND BESTIE I AM KISSING YOU ON THE MOUTH!!! with cons#anyway shane wright germanium with juraj slafkovský but showing him very obviously not missing it. if jack eichel was not an asshole#the narratives WOULD be narrativing. you could argue for a sidovi here with the calder cup and potentially a best friend stealing narrative#(the most recent is cam yorke’s acquisition of jamie d from trevor zegras which would then require a yorkie one for silicon the other side)
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I’ve been seeing a lot of discussions/discourse on tumblr and twitter surrounding kamala/voting for kamala so I want to put my two cents in as someone who will have no actual influence towards the outcome of the election
(important parts with be in bold)
Let’s look at the hypothetical that trump wins because the vote was split or people simply just refused to and kamala didn’t gain enough votes to win.
In the scenario, I want every person who decided it would be better not to vote or vote for a random third party candidate who has no shot at winning who only comes up during election years to say all of the “not like the other guys” talking points to explain to not just me but every queer, trans, disabled, non white, AFAB person who is now at severe risk why you chose to not vote to help them have rights. I want to see your explanations if trump wins. you also cannot use Palestinians suffering to make yourself seem better than you actually are
My point is that if trump wins because your delusions lead you to believe that you can single handedly change the way elections work in this country by “sticking it to the dems” and trump wins and we become a facist state, I want to hear what you have to say when we all start loosing rights and palestine gets wiped off the map
“Well we won’t let that happen” Good fucking luck. In project 2025 im pretty sure there is a section about how we basically won’t be able to protest anything anymore, not only that im also pretty sure trump has talked about deporting pro palestine protesters specifically!
You cannot be a single issue voter in this election and in many elections to come. Change doesn’t happen overnight and you need to wake up and realize that kamala will be the start of actually getting more progressive candidates and policies even if it’s not enough right now at this very moment. We all have to actually start putting in the effort instead of sitting around on our asses complaining
If we get kamala in, we won’t have to worry about our country becoming a facist state therefore we can worry more about palestine and putting more pressure on the dems than there already is. That should be a no brainer to some of you
This post isn’t praising kamala or trying to idolize her in anyway, always be critical of politicians. This post is more of a message to the preformative leftists on tumblr and twitter who have zero knowledge on how the US government works.
It’s kamala or trump this november. We cannot change that less than 100 days away from election day
Should I repeat myself? I hope you can understand that.
I’m not trying to bash anyone for continuing to put pressure on kamala and the dems for being complicit in bombing children. That’s not who my post is about like I already said
I think that all the protests outside of the DNC are especially important because it shows we have not forgotten and will continue to put pressure on the dems to do the right thing for once
but like I already said, it’s kamala or trump. Third party candidates are either grifters who only are there to get money and trick gullible leftists or candidates who have never been in any lower level political positions who think they can automatically garner a shit ton of support to win when they can’t. Your other option is to not vote which is arguably worse
I’m not trying to be the one to change anyones mind but I hope this post can help you reconsider your options and start facing the reality of this election
You have an important choice to make this november. I hope you can make the right one
edit: im not trying to beg anyone to vote for kamala or make anyone who is against her because of her handling of Palestine vote for kamala, especially if you are Palestinian yourself. Im not trying to make anyone feel bad about it either. Thats not the point of this post. The point is that change needs to happen now and this election is a perfect start to do so. We cannot have good change under a second trump term. I know im just repeating myself at this point but I want to put this out there incase I come off wrong or offensive. Also, I dont like the dems at all. I dont align with their party but you shouldnt even care abt what party I align with most. Im not a pro activist whose been in the game for 10+ years, im just a trans boy who has essentially been forced to pay attention to the shit going on in the country because of who I am even though it shouldn't concern me nearly as much as it does.
second edit: check out this tiktok and this persons other tiktoks abt palestine and kamala
#Also i’m a queer neurodivergent minor I literally cannot do much outside of spreading awareness#please vote#go vote#kamala harris#tim walz#2024 elections#i’ll delete this if this becomes super controversial#Like can we please please just be organized for once and put on our thinking caps just this once#Also if you just want to argue with me or anyone else or you want to try to paint me as pro isreal im blocking you. Im not and never will b#and it personally offends me that you would assume so because im simply trying to be logical about the upcoming election. Even if it sucks#for me to do so since the dems continue to do so little for Palestine and it hurts my heart to see them suffering and I wish we could all#just vote third party but we cant until we get rid of the electoral collage and implement ranked choice voting#this also goes for centrist dems who just wanna hate on protesters and say nasty ass shit to them im blocking yall as well#I wasnt even going to get into this myself but im admittedly scared. Ik kamala has a good shot but I dont want a repeat of 2016#Turning reblogs off for a bit sorry im being paranoid
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the reason teeth decay and bones do not is because teeth are literally not bones and do not act like them
#a broken bone if set will heal because the bone contains cells that build it back up#and blood vessels to provide energy and oxygen for that process#a dislodged tooth MAY be able to be set back in and heal but a chipped or broken tooth will never regrow#tho calcium is an important component of both they are structured very differently#and behave differently as a result. like. you don't lose bones and grow all new ones#you do with teeth. and they have to do this bc unlike bones teeth CANNOT grow larger#it's surprising how common this misconception is on here! maybe it's my wwx bias#I MEAN BIOLOGY BIAS 😭 thinking abt myu agaib#but like if you think about it they only thing they have in common is that they're white and hard and have calcium#people have argued this with me before. idk what to say it's simply not true anatomically#its like arguing a rabbit is a rodent <- lots of personal history w this one#it's easy to look up and see it's simply not true#cor.txt
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i will NOT pick fights with my group members i will not i will not and i will ESPECIALLY not pick fights with the girl who’s both one of the leaders of the project and who i’ll probably be coworkers with next year i will have patience i am so chill and fine and secure and confident not at all going to explode
#peach rambles#it’s fine it’s fine it’s fine it’s fine there’s no need to get worked up over these little persistent annoyances#she’s nice she’s talented she’s hardworking she’s also. there is just Something i can’t put into words#i should not get bitter about her little quirks she’s human too it’s fine!!#even though sometimes communicating with her and the others like her is like trying to walk through a glass wall#i simply cannot reach them i have never been able to reach my peers she and her people are an in-group#and in-groups can tick you off so fast by failing to communicate or recognize you even though they’re just regular chill people#but they never look past their groups they’re in their own world but they’re trying to be polite still i can’t get mad#it turns me into the villain of the story bc i’m the mean annoying one who has negative feedback that shatters the fairytale world#i approach things differently and it doesn’t gel with how they approach things so they give me orders and i question those orders or argue#i’m the one causing problems with my own ideas but i don’t have a chorus of friends to back me up i’m alone in the fight#so i just look like i suck#auhhhiiihghhhh
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I need to know exactly what fragment of a conversation between Lucifer and Lilith Charlie overheard and took wildly out of context to make her so self conscious about his opinion of her and her own self worth because I can literally not begin to imagine him intentionally saying anything to hurt her ever. Let alone anything that crippling.
Like look at that man. He adores her. Tf
#im positive this was a heard one part of an argument and ran away before getting the context situation#like him arguing on why he had to make the deal with heaven to protect her or something#I simply cannot fathom that man intentionally destroying her self confidence like that to her face#hazbin hotel#Lucifer#just thoughts and theories#no leaks or whatever plz
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i know they're a uniform item but still we don't talk nearly enough abt terence's sidelacing pants
#90s king.#dion should occasionally feel the need to pluck at them like lyre strings we're failing him.#he can make up little songs#he's simply cut through them at least once I Know It In My Heart. just plink plink plink through each X with a lil claw#they were arguing about is it pain au chocolate or chocolatine and dion wanted the last word bad enough idk#'You are their Captain. I cannot in good conscience allow you to leave with this evil in your heart; they place their faith in you.'#someone walks in like what ... happened... at terence's new advent children ass threads and they don't even have to lie
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I talk about it publicly like maybe once every few years but something about me is that I am an avid fan of Jelle's Marble Runs, and the O'rangers this week are going to give me a heart attack, they can't keep doing this lmao
#o'rangers#why are you like this#I simply cannot argue that it does not make for an entertaining and heart pounding race week but like.#if you somehow survive the elimination race tomorrow#it will be such a miracle that you made it through this week and a course sent straight from hell to kill you specifically lol#anyway if any of you ever want to like#microdose sports and the rush and drama of it all but with absolutely zero real life stakes I can't recommend Jelle's Marble Runs enough#the casting commentary is so excellent these days too
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#I’ll be blunt and repeatedly blunt for anyone who cannot possibly keep track of how liberal my freaking banner looks and how often that i#have flat out said that gop and trump are russian proxies.#gop and trump are russian proxies. they will obstruct whatever ukraine needs to fight Russia.#gop and trump will always say that they’ve got the support of the military the law enforcement and national defense industries#but it’s entirely self evident and no chance to argue that they do the contrary while democrats always did the truly sound and easily#vulnerable to criticism thing.#just like this now#gop had been openly arguing that america should stop helping ukraine and yet#and somehow that sounds like gop is good for ukraine because gop is good for military#trump pulled back American troops in europe knowing russia has no intention to give back Donbas#trump was praised to have given javelin to ukraine we now see that it’s a awesome weapon but putin does not give a damn how many tanks#get destroyed#Putin’s greatest weapon is zombie armies who has no feelings for humanity and simply are orcs#taiwantalk#ukraine#russia#putin
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#greatest song ever written you cannot argue with me anything you say otherwise is simply false#had to tell my boss today that i wasn’t crying because my client meeting went poorly but because i listened to bridge over troubled water#Spotify
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some headcanons i'm adding / altering *as i believe it fits into the narrative of my character more as i develop her.
rhea does not lose her virginity before her wedding, and it is not lost to some boy that was around. she went into the wedding intended fully to lose her maidenhead to her husband ( reminder that she was like, 14 - 15 in year 97 AC ) but after her husband abandoned their marriage bed, rhea did lose it herself by self-penetration a few weeks later. for the more nsft details: she used the end of a fireplace poker to do it, and she did it only enough to bleed, not to seek pleasure.¹
the reason her father had insisted on the marriage, and rather stayed on with the decision even when he started noticing that rhea was struggling in it, was because he needed to strengthen rhea's own claim to her accession. at that point, their cousin gunthor royce was questioning the inheritance and yorbert's choice for heir, and the alliance made rhea's accession to the seat much easier.
#¹ for more nsft details: rhea had actually 'broken her hymen' years ago from horseback riding.#so one may argue that the reason she bled at all from the poker stick is simply bc she did not use lube and had a tear.#yeah babe .... im sorry that knowledge had 2 be passed to u ......#i genuinely cannot. with. any tearing and bruises. ( lightheaded )#blood tw //#nsft //#GENERAL: HEADCANONS.
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okay the misinformation on the original reddit post AND in the reblogs is driving me bonkers I have to correct some things. (thank you @froginakettle for inspiring me to bring this out of the tags.)
I work in this industry. I’ve worked in this industry for almost a decade in a variety of departments. this whole post is bunk. (obligatory disclaimer: these comments are my own and not representative of my employer whom I also will not name)
to start: credit karma is not a credit bureau. it’s basically an advertising site masquerading as a credit website. sure some of its tips and tricks are identical to the big 3 bureaus but with a sole goal of a: collecting your data (not private data) and b: sending you offers. it’s how credit karma makes money. what is an offer? it’s an ad (or email or pop up or WHATEVER) that is dependent on your credit score offering you a great rate on whatever (or credit monitoring or identity protection, it’s truly dependent on your score and the goal of the offer). the ads you see on the sidebar and as part of marketing emails from credit karma are there because you’re using the site and authorizing the data to be shown. they eat the cost of providing you a free score so they can advertise and/or sell marketing data. (not necessarily bad, just want to offer perspective).
which brings me to the next point: there are thousands of credit scores. probably tens of thousands. what do I mean? each bureau has their own set of scores (ex. TransUnion and Equifax have VantageScore 3.0) then there’s FICO scores (FICO 5-9 iirc), and then each of those scores has flavors. are you getting a car loan? check your credit karma Vantage Score and it says one thing. maybe Toyota will pull your FICO 8 Auto score. is your loan being serviced by the bank instead? then Bank of America will probably use their FICO 7 Auto score, or Experian’s FICO 7 Auto score. decide to go to your local First Community Bank for a loan instead? they give you their Equifax Auto Vantage Score. each of these scores has variations on it. different applied factors, alternative data, trending etc. think of it as different levers that amplify and nullify certain factors. (I’m not here to debate if this is good or bad. there’s arguments to be made for both, especially around underserved populations. I’m just explaining how it works.). this is also how the bureaus make their money. by offering different best fit scores for the dozens of different credit scenarios, they sell their ability to score and model more consumers, more accurately, as well as verify identities for critical transactions and prevent fraud based on previous patterns.
next: not every job requires a ‘hard pull’ on your credit (hard pulls/hard inquiries can sometimes affect your credit score (sometimes) because it’s what you do when you’re actively gaining credit. soft pulls do not affect. the bureaus have more info on this). typically, though not the same in every state and/or country, a hard inquiry generally is for government jobs OR highly regulated jobs. why? well. who caught the mob??? the IRS and the Postal Service. a good way to do a sniff test on someone who might be handling money in large quantities, handling PII (personally identifiable information), handling HPII (health PII), or be responsible for acting ethically might be to see if they have huge amounts of debt from gambling, mysterious payday loans, dozens of credit cards, etc. if you have a lot of debts, mysterious payments, funky stuff, you might not be the safest choice. (again, not saying it’s good or bad. just presenting the industry logic.)
next: some of the info about disputes IS correct. the bureaus are required to respond within 30 days. HOWEVER, they are only required to correct something if it is FACTUALLY incorrect.
example of a bad dispute: I don’t like that I have a high interest credit card. I missed some payments but generally pay on time. I file a dispute because that reddit post said I should. conclusion: they don’t drop it off. what the bank is reporting matches the credit report. there is nothing to correct.
example of a good dispute: it says my car loan is for 40,000 but it’s actually for 38,500. this post inspires me to review my full credit report (free annually for each bureau at annualcreditreport.com) and check for inaccuracies so I file a dispute. conclusion: they correct the information in the report, provide notice of the correction, and make sure any time your report is pulled (and the debt is on your report) the correction is mentioned.
additionally, you’re also required to be involved in this process. you’ll need to provide documentation, follow up calls, emails, etc. that the bureau needs from you to investigate your dispute. then multiply that by 3 if the item is on all 3 reports. a dispute is not a magic wand. also if there’s an error with the banks data, (ex. your balance is wrong) disputing it at the bureau will not do anything since the data in the report and the data at the bank matches. you’ll have to get the bank to fix it before you can dispute it with the bureaus.
next: volume. oh my god this one gave me a laugh. do you know how much data these companies ingest and spit out??? we’re talking a few petabytes for each bureau, every year. it’s not just you make a payment and they add it to their list. it’s everything, it’s addresses and name changes and driver’s licenses and payments across thousands of sources for everyone in the country (hundreds of millions, not to mention if they’re international). times 3. I’ve been in the NOC (network operations center) for one of the big three and it looks like fucking nasa. dozens of people on 12 hour, rotating shifts making sure the data flows at 99.99% uptime. they don’t have a ‘slow’ period. even if everyone on this post sent in a dispute, which would also be extremely hard considering the amount of thin files, they wouldn’t bat an eye. this is their every day. their sole purpose is a: making sure the data is safe and correct. and b: making sure if they get a dispute they resolve it quickly. plus, the more you use their services, the better they look, because they’re doing what they’re supposed to.
side bar: thin files. a lot of people are thin files, more than you think. basically it means the bureaus have info on who you are but next to no info for which they can score you with accuracy/best fit score. basically you don’t use credit, you don’t have debt, but you also don’t have a high score because there’s nothing TO score. weirdly, the ultra wealthy have this problem, since they pay in full vs on loan. it’s good and bad. bad if the company doesn’t use alternative data and you really need credit to survive (alternative data like renting history, cellphone payments, soon to be added BNPL, etc can turn a thin file into a better score) and good because you want to stick it to the industry and don’t use credit at all.
secondary sidebar: your small local credit union gets all their stuff from the big three. it’s expensive, data intensive and time consuming to do what they do (update, aggregate, collate, verify, etc etc). way easier to just supply small local credit union’s data to the big three and get specialized info back.
addendum: this is US focused. other countries have similar but NOT identical systems. think cousins but not twins. they have their own systems, bureaus, regulations, the whole nine yards.
second addendum: you can work with debt collectors to get them to forgive/drop debt. doing it at a busy time might help, I have never worked with collections. but it won’t affect your credit score necessarily. debt collectors are not legally required to report a collection to the bureaus. however, the bureaus are legally required to report accurate information supplied to them from debtors (banks, dealerships, etc including debt collectors). debt collectors choose to do so so you are incentivized to pay back the debt. paying it back does not mean your credit score will change, and definitely not immediately. (Experian has a great article explaining this. again, not making a good/bad statement on this. it’s how it is. if you want it to change, talk to your congressperson.)
last: some general tips:
freeze your credit if you’re not using it (actively applying for credit, loan, job, rental, etc). this prevents people (manipulative family, strangers, criminals) from being able to use your credit. a freeze can last for up to 10 years and you can temporarily lift (and re-freeze) for specific dates. if you have kids, this is great for fighting synthetic fraud or in response to data breachs
do you actually NEED credit monitoring? it’s truly up to you. in my experience, freezing is usually good enough for most people. if you’ve had your identity stolen OR you have malicious family members, it’s probably worth it to be proactive rather than reactive.
just go look at the bureau’s websites. they tell you how to improve your score. they explain the stuff I said but with more stock photos. I will warn you: it’s not as fun or sexy as trying to ‘pull one over on the establishment.’ it’s mostly low debt to income ratio and low revolving debt and making payments on time
don’t want to use an evil bureau’s website? go look at the CFPB (Consumer Financial Protection Bureau) website. it’s the same info but with a .gov and different stock photos.
Queuing this for January too.
#as someone who works in this industry#both tips are bad#anyway pay attention to the websites#freeze your credit if you’re not using it#use secure passwords so help me god#we cannot prevent you being social engineered into giving up your info#we can try!!! and everything we do is focused on compliance and information security!!!#but if someone got your info from you and used it#we can’t really prevent all of that#and I know a bunch of you are probably watching a 10 minute YouTube video on how this is all arbitrary and the scores are bullshit#I’m not going to argue that#the scores are simply to inform a lender that based on previous factors (which they can pick from on importance)#that this person is more or less likely to pay you back#the scores are there to try and predict future behavior based on past actions#it’s no different than gambling odds or medical survival odds or financial models or market predictions#it’s mathematical modeling and then predictions#sorry to disappoint that it’s not a conspiracy theory
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