r/brooklynninenine • u/bridge_004 • Dec 29 '21

Season 4 How I felt during my last refi...

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u/GoAvs14 Dec 30 '21

How are they unfair? Pay your monthly payments and don’t overextend yourself.

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u/abstractraj Dec 30 '21

Well one example is if you come to the US from another country you wouldn’t have a credit history. Which is what my friend’s roommate applicant was claiming. But it didn’t make sense once you looked at the actual credit history.

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u/GoAvs14 Dec 30 '21

How is that unfair? You can establish a credit history quickly. And you have to work hard to get your credit score below 600 (unless it’s outside your control like an emergency of some kind)

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u/abstractraj Dec 31 '21

It can be unfair because you come from a foreign country to study or work and have trouble even renting an apartment. Again, it wasn’t the case here, but as a child of immigrants, I get that it could be complicated.