Manns Medium

I find it quite ironic sometimes when people or a group of people tends to blame their circumstances on a few.  Regardless of how true it may be or how perception makes it appear true one thing is for certain.  We jail people for selling drugs on the street but reside in a country that is the biggest supplier of drugs and we claim that government and politicians control the blood flow of a nation when we know that this is not the case and clearly see examples of these very people and entities being controlled by that one group of men/women who cater to or control that one huge slave master we all serve whether we wish to or not.  That slave master is those who created and control the algorithms’ which create and measure all human being s by what we refer to as a credit score.  So let’s take a few minutes to greet our slave masters and take this time to appreciate what we have allowed them to do to us. Now we know that no credit score or any piece of paper can tr...

To many the words according to Ken Clark, a debt/credit expert and certified financial planner, are all but true.   He is quoted as saying that quite simply, your credit score summarizes your credit risk based on a snapshot of your credit standing at a particular point in time. It’s an overall assessment of your financial responsibility (Rate Nerd).   Then there are those who take on the view of the Manhattan Financial Group who states “t ypically, a person with a bad credit score is in this position because they lack structure in their life. There are, of course, cases where unplanned health or employment complications are to blame, but for the most part, these are individuals who lack the discipline to pay their bills on time or curb their spending.”   So who’s right or are they both correct? Origin To begin to understand the importance of this article we must first review. “ Equifax is the oldest of the three bureaus, having been founded in 1899 as Retail Credit Com...