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Credit score as proxy for bandmate reliability?
- Thread starter bobcruz
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I don't know if this is quite in keeping with the OP as it isn't directly related to credit ratings.
In every band I have been in I have tended to be either the 'poor' one or controversially the tightwad.
At one extreme, one guitarist in the band has for example bought new - 3 fenders, 3 gibsons, about a dozen pedals and 2 amps in the last two years. At the other extreme I am running on a $50 bass and a $20 amp. I am happy with it but there is a gulf in the amount of money committed to music.
I am also the only one not to have had a new car in the last 3 or 4 years.
It means that I am viewed with suspicion in terms of reliability. Even though I have been as reliable as anyone else.
In every band I have been in I have tended to be either the 'poor' one or controversially the tightwad.
At one extreme, one guitarist in the band has for example bought new - 3 fenders, 3 gibsons, about a dozen pedals and 2 amps in the last two years. At the other extreme I am running on a $50 bass and a $20 amp. I am happy with it but there is a gulf in the amount of money committed to music.
I am also the only one not to have had a new car in the last 3 or 4 years.
It means that I am viewed with suspicion in terms of reliability. Even though I have been as reliable as anyone else.
A lot of these truly responsible types also evade paying tax with the power of cash right? I love absolutists.
why not ask for the whole post-9/11® package? dna swab, background check and criminal/psych history..
or perhaps, just play music with the perspective band member and see if they're a good fit. that strategy used to work well on occasion.
or perhaps, just play music with the perspective band member and see if they're a good fit. that strategy used to work well on occasion.
Good idea except it doesn't take into account other motivations that could cause one to be unreliable. For example lead singers who are late as a passive-aggressive means of exerting control, etc.
You srs bro? J/k you're probably right to some extent but I challenge anyone to ask potential bandmates to show you their credit score and video tape the response. Remember during an audition they are auditioning you just as much as you are auditioning them.This thread is only half serious, so maybe I should have put it in Off Topic or Humor, but this morning's newspaper had an article reporting that people with higher credit scores who pair up with a partner with a similar score are far more likely to stay together over the long haul, whether married or not. There was a lot of speculation about the characteristics that make a person achieve a higher credit score and how that plays out in a relationship. So it naturally occurred to me that maybe people in a band with widely varying credit scores might not be able to keep it together for the long haul. What a strange thing it would be to interview someone for the band and ask them for a credit score! (Or to ask for that information before a date, for that matter, but that was the newspaper article and this is TalkBass, not TalkDate!) Thoughts?
jive1
Commercial User
See, credit scores are some real phooey in my eyes. I'm only 19, and my credit score is absolutely shot from hospital bills. Maybe it could be a stronger indication of reliability later in life, but as a youngin paying almost $200 a month just for car insurance to drive to a $9/hr job, fixing certain debts that can wreck your credit score just isn't feasible.
But at the same time, you probably wouldn't want a bass player cosigning on that radical new van anyway
But at the same time, you probably wouldn't want a bass player cosigning on that radical new van anyway
i was thinking about this thread, and i realized i can't imagine any situation except maybe - and it's a big maybe - being hired into a band that's already working enough to be a full-time gig where i would be willing to give some strangers in a band my social security number. and i probably wouldn't do it then, either. i mean, hey, meet some strangers where all i know is they can play songs and draw a crowd and give them the thing that would leave myself vulnerable to identity theft? no, thanks, and i'd imagine many people who worked for years to have a FICO of 800+ would feel the same because they're mature and responsible.
There are always exceptions to EVERYTHING and credit scores are no different. The thing is, the MAJORITY of people with bad credit scores are what most people would call "irresponsible". Of course there are a few people here and there that may have bad credit because of circumstances out of there control, and that really sucks for them. Unfortunately though, there needs to be some way to check people out to see if they're responsible and a credit check seems to be the best method.
I will also say this though, when I had bad credit and was irresponsible, I too was on the "how can you judge me by my credit score" bandwagon. Now that I'm a responsible adult and have good credit, I see the importance of a good credit score. It seems to me that most people who "don't believe" in credit scores are the ones with bad credit, for one reason or another.
Also there's a misconception that if you use credit cards, you're in debt. That's not always true, a lot people, like myself, pay this credit cards off and carry a zero balance. Also many people have been saved by credit cards in emergency situations, loss of job, medical issues, etc.
I will also say this though, when I had bad credit and was irresponsible, I too was on the "how can you judge me by my credit score" bandwagon. Now that I'm a responsible adult and have good credit, I see the importance of a good credit score. It seems to me that most people who "don't believe" in credit scores are the ones with bad credit, for one reason or another.
Also there's a misconception that if you use credit cards, you're in debt. That's not always true, a lot people, like myself, pay this credit cards off and carry a zero balance. Also many people have been saved by credit cards in emergency situations, loss of job, medical issues, etc.
You had to go back to pg 1 to find someone to agree with.. Now that's pretty humorous..
There's been a shift over the last 10-15 years of employers hiring practices
Used to be common to go take a drug screening test before you could start a job.
That practice has been pretty much replaced with a background check. People think a background check just looks though legal history, but most include a credit history as well.
Think about that -- an employer finds it a more reliable indicator to know your legal and credit history than if you test positive for drugs.
Used to be common to go take a drug screening test before you could start a job.
That practice has been pretty much replaced with a background check. People think a background check just looks though legal history, but most include a credit history as well.
Think about that -- an employer finds it a more reliable indicator to know your legal and credit history than if you test positive for drugs.
Scored an 890 about 7 years ago when applying for our original mortgage. I'm a responsible spender (spare for the occasional GAS-related kerplunk), but have no idea how my score was so high. It seemed like only ten years ago the credit card companies wouldn't give me the time of day.
I'd never join a band that wanted my credit score, but there probably is some direct correlation between good credit scores and reliable people.
Forget the credit check. I think there would be more benefit in doing a background check. Too often, bands are placing ads for members and inviting strangers to their homes or rehearsal spaces. They see you have some nice stuff, no security, get to know your schedule and eventually rob you.
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