I mean, most of the time they don’t really check. At worst you might get a company which wants a paystub or two to verify income but those are just PDF files that can be edited. If you’re already planning on breaking some laws and contracts, nothing to stop you from breaking a few more
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Because of that time horizon my wife briefly had no credit score at all. She trashed her score at 18 then never tried to touch credit again because “I already know my credit is trash” then it all fell off (and whatever went to collections had already been garnished from her tax returns and whatnot) and she effectively had a clean slate with no credit history
Its all part of the risk calculation that’s made by the loan companies that make these credit offers to those deemed to be high credit risk.
Who they really are trying to hook are people who live paycheck to paycheck and keep rotating a balance of old loan balances and newer loan balances because between origination fees, interest, late fees and any other BS fees they decide to tack on they can make absolute bank indefinitely off of folks who struggle with budgeting and are constantly one surprise away from taking on more debt. Alternatively its folks who think in terms of monthly payments and nothing else
My wife has had bad credit for a good chunk of the time we’ve known eachother, and its really incredible seeing what circumstances cause the offer letters to start or stop flowing. Basically the only thing that made the offer letters stop fully was when she got a head injury and couldn’t remember to do any weekly or monthly tasks and defaulted on all 3 of her credit cards. That stopped the letters for a few months until the first couple of cards were paid off in full from collections and then the credit offer letters started flowing again.
Trainguyrom@reddthat.comto Games@lemmy.world•Vintage gaming advertising pictures: a galleryEnglish4·5 hours agoTo be fair, an indie dev just tossing stuff together on the weekends and evenings has everything needed in these accessible game engines to build a AAA title of 15+ years ago.
The Fediverse has scaled impressively well and currently boasts millions of active users, and about the only thing that seems to actually be shaking smaller instances hosted by hobbyists on very tight budgets are if an AI scraper finds them and starts trying to use them as an ingress point to slurp up Fediverse content (which is honestly sad given they could simply spin up their own instance to suck data down via Federation)
Trainguyrom@reddthat.comto Games@lemmy.world•EA reportedly shelves Need For Speed completely to focus on other projectsEnglish5·8 hours agoDo you have a source for any of that rage bait so we can laugh at it?
Trainguyrom@reddthat.comto Games@lemmy.world•EA reportedly shelves Need For Speed completely to focus on other projectsEnglish15·20 hours agoI think the saddest part was observing a clear wind down of Sims 4 then last second “lol JK we’re not releasing another sims game” and the entire player base seemed to release a collective sigh that some of the structural problems that have plagued TS4 are here to stay
Trainguyrom@reddthat.comto Mildly Interesting@lemmy.world•Today, the Mexican Government introduced its new chocolate bar, priced at less than $1USD. Made of 50% cocoa, powdered milk, vanilla. No refined sugar, no artificial flavourings.English3·2 days agoWhen reducing unhealthy food in your diet, having less-bad alternatives to the unhealthy thing you’re craving can be a big help as your metabolism adjusts to the new diet.
For a personal example I’ve been greatly reducing sugar in my diet and sometimes I just crave something sweet. I’ve found ice cream to be the least sugary option, and I consume less sugar by having a bowl of ice cream than I would by having a few chocolates. My wife has a significant soda drinking habit and when she really craves a soda she’s been turning to the Poppi and Olipop sodas as less-bad alternatives
Trainguyrom@reddthat.comto Linux Gaming@lemmy.world•2 gamers, 1 cpu, NO Virtualization! Using the power of Systemd's Multiseat feature to share a single powerful gaming PC with multiple people in the same house, at the same time.English9·3 days agoThis is actually a project on my to-do list for my kids. Sucks that each seat can’t share a framebuffer (otherwise multiple GPUs would be entirely optional) but to get 2 decent gaming experiences out of a cheap used PC plus an extra GPU is pretty sweet
Trainguyrom@reddthat.comto Mildly Infuriating@lemmy.world•Baby dies after California mom leaves him in car to get lip filler on 101-degree day, police sayEnglish32·3 days agoBefore I had kids I would’ve been right there with you, but I am in a completely different mindspace anytime I’m caring for my kids than when I’m not.
When I’m in “dad mode” there’s a significant portion of my attention that’s constantly running through “Are the kids getting into trouble? When did I last see them? When were they last fed/watered/potty breaks? Are we about to pass something that they’ll see and decide they need to go to and therefore cost more time/money than I’ve budgeted for this trip and should I be taking a different route to avoid it? When did I last observe the kids alive, has it been more than 60 seconds I need to check on them again…” And the only way to break out of dad mode is if somebody else has taken over active care/monitoring of the kids or if the kids are both asleep in their beds. It’s a biological state that I seriously did not know was possible, and I simply can’t turn it off.
So when I say I can’t forget my kids in the car, this is what I mean, I’m so actively aware of my kids location and status at all times that I’m the primary caretaker that they can’t even try to wander off in a park or store without my noticing
Trainguyrom@reddthat.comto World News@lemmy.world•Man, 24, drowns in nine inches of water in 'freak paddling pool accident'English4·3 days agoThe sun never sets on the British empire!
I thought it would be this bit from Pajama Sam
Trainguyrom@reddthat.comto Mildly Infuriating@lemmy.world•Baby dies after California mom leaves him in car to get lip filler on 101-degree day, police sayEnglish2·4 days agoIANAL but isn’t that the purpose of a “no contest” plea? Its a plea somewhere between guilty and not-guilty without the bad look of pleading not-guilty on something you’re obviously guilty of
Trainguyrom@reddthat.comto Mildly Infuriating@lemmy.world•Baby dies after California mom leaves him in car to get lip filler on 101-degree day, police sayEnglish21·4 days agoAlso you’re supposed to wait a full year before becoming pregnant again after having a kid so your body can heal and re-normalize. Having kids that close together is hell for parenting and hell for your body
Trainguyrom@reddthat.comto Mildly Infuriating@lemmy.world•Baby dies after California mom leaves him in car to get lip filler on 101-degree day, police sayEnglish103·4 days agoAs a parent myself it always boggles my mind that people can forget that they have kids in the car with them. I’m always in dad mode when I have any kids with me, so I’ve never even come close to forgetting a kid in the car. Forgetting to grab the kid’s backpack for school sure, but forgetting a whole child in the car?
Trainguyrom@reddthat.comto Games@lemmy.world•Stardew Valley dethrones Valve classic Portal 2 as Steam’s top-rated gameEnglish1·4 days agoThis is my second season. I’m biking about 5 hours a week right now, averaging about 40-50 miles per week. I don’t know how obvious the toning would be to others but I can certainly see it, since y’know I’m the one who sees myself the most
Trainguyrom@reddthat.comto Gaming@beehaw.org•Less than 20% of Tony Hawk’s Pro Skater 3 + 4’s soundtrack is made up of songs from the original games [VGC]English3·4 days agoIt makes sense with how involved Tony Hawk is in the punk music scene to try to mix in some new songs and not just repeat the same soundtrack
Surprisingly enough it’s incredibly technically feasible.
The biggest challenge is actually maintaining good standing with the federal government because over the last 20 years or so they’ve been racking on more and more income taxes on foreign income, and if you live abroad as a US citizen you’re still legally required to pay income tax. Then once expats started renouncing their citizenship because of the rapidly increasing cost of maintaining a citizenship they no longer needed the federal government started throwing more and more barriers up to make it harde and more time consuming to renounce your citizenship