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Joined 6 days ago
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Cake day: January 3rd, 2025

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  • As a spectator to this, I have to say I find it pretty amusing how confidently incorrect you are.

    Your link is talking about banks having cash on hand, but the person you’re trying to argue with was talking about accounting practices.

    A lender has a finite amount of money it can lend. Whether that money is transferred electronically or physically is irrelevant.

    A lender uses a credit score as a tool to see whether the person can be trusted to pay back the loan, because people who default usually end up costing the company money.

    It’s more of a metric to see if a person has a history of making poor financial decisions rather than a way to see what someone’s disposable income is.

    This is why medical debt is a bad metric. It doesn’t give any insight into an individuals financial decisions, because the individual almost never chooses to go into debt.

    Even if a person paid off their medical debt through a collections agency, it can still be on their report up to 7 years later.










  • This happened to me, but from catching myself when I fell skating.

    It didn’t hurt at all until I wondered why my wrist wouldn’t rotate and looked down. I saw this, then it started to hurt.

    The best part was the skating rink trying to get me to retroactively sign a liability waiver, and me telling them I broke my dominant arm (I didn’t).

    Well, the best part was the hospital refusing to set it, then the orthopedist refusing to belive the hospital didn’t set it, so I had to have it surgically set a week later.




  • It could be an accident. I got pulled over because I was just cruising around the loop in my town on a Friday with my cruise control set at the speed limit.

    At the time, my college didn’t have school on Fridays, so as I passed the school I asked myself, “why are there so many cars when there’s no school?” Then I saw the lights.

    I still maintain that the school zone lights came on after I entered the zone since the school busses weren’t even lined up yet, but I was driving at a safe speed for the road itself.

    The cop thought so too, since I only got a ticket for 55 in a 35 instead of in a school zone.