You never know!

Maybe lemmy is turning facisist?

👌👍

Peak lemmy 👏

GIMP

How do you have these listed and not the myriad of FOSS products that are garbage to use.

Y’all remember mumble? Easy peasy compared to discord amirite?

🙄 PHP is great for most things. I can’t believe it’s 2024 and this terrible relic from 15 years ago still persists.

Then you shouldn’t have said that I was incorrect 🤷‍♂️

See that made me think you misunderstood. You see how we got here?

Did I say all? No I said 95%. Is that exact? Of fucking course not.

None of that has to do with the front page on every instance and the lack of content. Remove politics and you have nothing. You hit non stop porn after a while and removing politics well just make it a porn feed.

Wishful thinking🤣

I haven’t used big 0 or algorithms in my 15 years of professional coding. It’s just not important unless you work for a Google and even then you’d have support.

Content here sucks ass. It’s 95% bitching about politics.

I get this is a meme, but the most successful projects are the ones that quickly get you running and are supportive to new users. I’ll get off my soapbox.

A single missed payment typically is a small ding and not effect your credit in a major way. Bankruptcy is going to in almost all cases multiple delinquency and debts. I don’t agree that bankruptcy will fuck your day up.

I’ve had several missed payments to utilities the most recent being 3 months late(dumb auto pay shit) and have zero marks and an 830.

My mother (dumb and irresponsible) had missed payments and none of those hit her scores either. I don’t believe this is wide spread from my personal experience and a quick Google doesn’t return anything promising so I’m not sure I can agree with that at all.

It takes one pretty big fucking mistake to crater years of effort. I understand it does happen, usually around homes and employment, to which I would agree we need protections. It’s not for small shit.

Yup, and it becomes very apparent when you get into home loans vs credit lines. The verification goes way up since the last housing crisis.

I did. I’m near 40 was about to enter college and credit and debit cards were everywhere. I’ve never handled much cash my entire life.

Not even close 🤣 what an absurd thing to say. You really think following social rules is the same thing as participating and having a financial history of posting back lent money is the same thing?

Edit you know what, never mind I see you all trying to compare imaginary insurance Facebook scenarios and pretending like that’s how a FICO works. 👌👍.

FICO is kinda stupid in some ways but with responsibility it’s not hard to get a decent rate/favorable score. Yes at the top end is dumb you need to open more credit but in practice that’s not hard to do assuming you aren’t just forced by circumstances to just live off credit.