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Credit score as proxy for bandmate reliability?

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#21
I want to buy a mako shark but I'm not sure what the most responsible payment method should be? would I be best served using Paypal? or a credit card?. I'm going to name him "Sharkey" after my attorney.

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#23
The recession knocked me down with 20 percent pay cuts for both my ex and me for in 2008, 2009 and 13 percent in 2010 and 2011. With two in college, cars and mortgage, you try keeping your bills paid up and the light and heat and water on. Now I'm divorced with a credit score under 400 but have paid every penny of every debt, have thee college grads including my ex, own my car and motorcycle and I buy only in cash. And I'm a pretty damn responsible person. I always play a pretty decent bass, do not drink to excess and practice regularly whether there's a gig or not
 
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#24
PS: banks and credit companies will work with you for maybe 60 days. Then they crawl all over you. American Express told me to go to get a pay day loan. I told them exactly what they could do to their blenders. They took offense.****** Never again
 
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#25
hdracer is correct.

Example of where the 'theory" is incorrect:
Some folks worked very hard to maintain a good credit score for DECADES only to see BANKS and FINANCIAL institutions play with OPM(other peoples' money) and lose. Then the folks who work very hard had to "bail them out". More than a few of those "folks who work very hard" saw this event and decided to walk away from debts "owed" to the above financial institutions. Let them pound sand since they shackled us, children, grandchildren, and even unborn future folks with more debt.

Unreliable people? Mostly no.
Agree with Mr. OB above.
The game of "charge off"/"write off and selling" of debts only to rise again like the Phoenix in the form of "debt" collectors another unique area of the slime pit.
 
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#27
I don't have a credit card. My bank wouldn't give me a back up line of credit for my checking account despite the fact my balance is $1k or more with $10k in savings. I use a debit card for online purchases. Having cleared my debt, and dumped cable, Internet and anything other than utilities and insurance plus keeping the two part time jobs I got during the recession allows me to travel, to buy basses, amps and whatever I like. My cars are 20 and 10 years old and repairs are nowhere near $450 a month it would cost to by a new POS with pending recalls. Screw the dominant paradigm.
 
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#29
A lot of people go through ups and downs financially as they learn how to manage their money. It's not inconceivable to me that there could be good people out there who's credit score is sub-par for reasons that might not be completely under their control. I find myself wondering about this hard-ass utopia that was suggested earlier where we should all be forced to wear a number generated by tiny conglomerate of private corporations. I think a person would have to be completely, delusionally mentally ill to believe that an idea like that would 1) serve to create a better society and 2) somehow not backfire on them at any point during their lifetime.
 
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#32
Killed_by_Death said:
I think a person's credit score is a very accurate indicator of their level of responsibility.

It should just be stamped on your forehead, so people know if they can stay away.
Click to expand...

This is ridiculous, and kinda makes me sick. I'm guessing you and most of the others commenting have never had to deal with a serious illness. Good on you. But 4-5 years of chemo will leave you in debt, unless mommy and daddy are wealthy.
 
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#36
#37
Sorry to disappoint all those who are lucky enough to have Gods glorious light shine perpetually on their golden arses and be blessed with the divine gift of "responsibility", but a credit score has zero to do with someone's commitment to a band and their ability to fulfil their role. More importantly, it has no correlation to talent.

There are way more fat, comfortable old farts playing Mustang Sally on their $5000 coffee tables than there are poor kids putting in everything they have against the odds and actually CREATING SOMETHING MUSICALLY, YA KNOW...FROM SCRATCH.

A good credit score might buy you some self satisfied, mid life crisis encumbered turd with a nice car, PA and his own rehearsal space but it will NEVER account for talent.
 
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#38
petrus61 said:
A good credit score might buy you some self satisfied, mid life crisis encumbered turd with a nice car, PA and his own rehearsal space
Click to expand...

I would take that over some scrounge who doesn't know where his next meal is coming from.

Different strokes for different folks.

I don't want to have to bail out my guitarist on opening night, because he spent last night's wages on a piss-up (bender).
 
#40
I look at crazy ass musician's like Ginger Baker & think that I'm glad I never had to work with someone like that, nor will I willingly subject myself to working with someone like that.

Ginger is a talented musician, but at the end of the day he's a freakin' lunatic.

Eric Clapton & Jack Bruce both said he is a musical genius, but neither of them wanted to work with him again.

The same goes for skint musician's in my book.
 
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