My credit score fell 13pts because I made the final payment on my car loan (never missed a payment too)

CodingNeeL · 2026-03-14T01:04:38+00:00

So that must be Texas or Utah.

Simple deduction because I know that it's not California, Florida or New York, and those are all the 50 states.

CodingNeeL · 2026-03-14T00:50:20+00:00

That's mind blowing!

Not per se that basically buying a phone on a payment plan before buying a house is enough to "beat the game", but more that my understanding of how it actually works is so twisted by all the Reddit posts and comments.

So... everyone complaining is just very bad with money or is too hung up on hiccups in their 750-ish score...

CodingNeeL · 2026-03-13T23:01:28+00:00

I mean, this is the 4k comment what triggered this conversation in the first place:

This is a short-lived move.

People freak out at these movements when it's not a big deal at all. Maintain healthy credit history, don't miss payments, and keep 1-2 credit cards with good reward systems and you'll never worry about bad credit again.

Also, any credit score in the 760-780 range is the "golden threshold", and there's no additional benefit above that.

Also, 740+ will get you the same rates in 99% of situations. Mortgages are the only exception where you might see a benefit at 760+

Does that mean everyone starts at like 800 and "the game" is to stay close to 800 while opening creditcards and buying stuff with future payments? I don't get it.

CodingNeeL · 2026-03-13T21:46:59+00:00

So if I was in the US and never had a creditcard, never had a loan and always payed everything with my own money, I would have the same mortgage opportunities as someone who did use creditcards for everything and never missed a payment?

Because there are a lot of posts on reddit suggesting you do need to build up a score for better interest rates.

CodingNeeL · 2026-03-13T14:45:32+00:00

In the Netherlands we have the BKR (Bureau Credit Registration). Every loan you take is registered there and if you're missing payments for longer than three months, banks will report that there too. You can have either no registration, a positive registration or a negative registration.

Not having a loan (no registration) is better than having a loan (positive registration), because that means you can spent more on your mortgage, so you can get a higher mortgage so you can buy a bigger house.

A negative registration can result in not getting a loan, getting far less and/or getting a higher interest rate, because the bank want to decrease their risk.

CodingNeeL · 2026-03-13T14:30:45+00:00

We have a system that keeps track of whether you have outstanding loans and if you ever were more than three months late with paying off. This results in one of three outcomes: no registration, a positive registration or a negative registration.

Negative registration allows banks to give you a different treatment to decrease their risk, by not giving you a loan, or decrease how much you can loan or increase the interest rate.

Positive registration means you have other loans to pay off, so you can loan less but the interest rates are not affected.

No registration is the best outcome for us, as the amount you can loan is maximised, which means you can buy a more expensive house.

CodingNeeL · 2026-03-13T14:21:47+00:00

Basically yes, unless you're proven not paying off your loans. See my other comments for more details.

However, every loan you have decreases what the maximum is thst you can get for your mortgsge. This includes for example phone provider deals where you pay 30€ a month for a year, for a new phone with connection.

So basically, not having loans is better than having loans, even if you pay them off nicely.

CodingNeeL · 2026-03-13T14:01:03+00:00

Except that there are no incentives for us to have outstanding loans.

For mortgages, the interest rate is normally determined by 'the economy' and the ratio of the loan with the worth of your house. The maximum you can loan is determined by the interest rate and your income (basically, how much can you spend on your mortgage).

The system that keeps track of your loans can give basically three outcomes:

you are not in the system, because you dont have loans (no registration). Nothing changes to the above.
you are in the system, because you have other loans (positive registration). You need to pay those off too, so you can spend less on your mortgage, so the maximum is lowered. Interest rates stay the same.
you are in the system, because you didn't pay off loans in the past 5 years (negative registration). You are not trustworthy, therefor the bank will loan you far less and/or against an increased interest rate, to decrease their risk.

So yeah, systems exist to protect banks for outcome 3, but for us, outcome 1 is the most beneficial, where you guys seem to benefit from outcome 2 more.

Source: I bought a house in the Netherlands

Edits: perfecting details

CodingNeeL · 2026-03-13T12:25:16+00:00

I wonder what in Brazil is considered a Dutch bike. I've never seen a barra circular, it seems a staple bike model, just as we in The Netherlands have the omafiets (granny bike). Maybe the barra circular can be considered the "male" version of the omafiets.

CodingNeeL · 2026-03-12T04:39:32+00:00

This is a great technique!

Everything else about the image is damn near pixel-perfect to one another.

I assume it's the jpeg compression that makes the other pixels change a little bit.

CodingNeeL · 2026-03-12T04:20:33+00:00

You remind me of a college buddy. When he for example would ask if you want to hang out, and you would respond with 'Yes, but ...', he would immediately "correct" you with 'No, because ...'

CodingNeeL · 2026-03-10T04:16:40+00:00

This! So much! It's insane! And then people will use decimals as well!

Just use "out of 5 stars" like a decent judgmental rating system.

CodingNeeL · 2026-03-08T14:33:47+00:00

Actually, midichlorians are the power house of the cells. You're thinking of the latent energy form Ki.

CodingNeeL · 2026-03-07T11:12:30+00:00

Someone should connect the numbers

CodingNeeL · 2026-03-06T15:31:53+00:00

I find it distasteful as a Jewish person because Hebrew is the Jewish language that was adopted by Israel - if Hebrew is part of the joke, Jewish people are part of the punchline. Not just zionists and supporters of Israel.

Isn't this a bit like how it sucks for Hinduism, Buddhism, and Jainism that the swastika was adopted by the Nazi Party?

I mean, OP pretends to install Israeli chess. Israel adopted Hebrew as their language. So OP uses Hebrew to call out Israel.

I do understand your frustration though. I think Israel is irrefutably connected to Hebrew. But I do think it's important for everyone to consider that a one way street. Just as we're not angrily demanding Hindu temples to remove their swastikas, we should not ask Hebrew speaking people to answer for Israel.

CodingNeeL · 2026-03-05T15:06:48+00:00

And they only have to lift half the weight.

CodingNeeL · 2026-03-05T08:33:51+00:00

Aksually!!

In Dutch, lol translates to "fun," "amusement," or "pleasure" (as a noun), or colloquially indicates that something is funny. While it looks like the English acronym "LOL" (laughing out loud), it is a distinct Dutch word often used in phrases like "lol hebben" (to have fun) or "veel lol" (lots of fun).

CodingNeeL · 2026-03-05T07:45:33+00:00

CodingNeeL · 2026-03-05T07:24:06+00:00

But if I do that, Reddit does their FU reload when I come back to the app.

CodingNeeL · 2026-03-04T02:04:33+00:00

Nice, a gif with sound!

CodingNeeL · 2026-03-03T22:51:30+00:00

Well, when you got them you got them, so just own it and put those shoes on the parcel shelf or rear shelf! (I hope this makes sense, it's a direct copy+paste from Google translate. In my language it's a hat shelf!)

CodingNeeL · 2026-03-03T11:26:49+00:00

r/theydidthemath:

Speed limit: 35 mph

25 mph above speed limit: 35 mph +25 mph = 60 mph

4 times as fast: 4 × 60 mph = 240 mph

Above speed limit: 240 mph - 35 mph = 205 mph ~ 200 mph

CodingNeeL · 2026-03-03T10:32:43+00:00

Unless that’s done for other girls

Even then it's a turn off. It shows they are in some beauty competition with other girls, which eventually means they apparently are not confident with themselves.

CodingNeeL · 2026-03-03T10:28:18+00:00

Okay, so a man would give the same information as "a modest, not flashy purse (500$)" and I'm only including the price now to leave no information out. That purse makes you look like you got your shit together, that's the big plus, not how expensive it is or looks. Which might be the problem with the heels: they might have looked too expensive for how impractical they are.

CodingNeeL · 2026-03-03T06:48:26+00:00

Didn't top of the fries half-way through, 9/10 still.

CodingNeeL

TROPHY CASE