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Fnoon
what is the most afternoon thing you can think of?
(I helped save b3ta! garold you're on mute I SAID YOU'RE ON MUTE, Tue 3 Sep 2024, 15:51, archived)
Drinking pimms in the garden
And listening to the archers
(I helped save b3ta! Smash Monkey 2 The damp spastic, Tue 3 Sep 2024, 15:56, archived)
No Nigel, nooooooooooo!!!!!!

(I helped save b3ta! garold you're on mute I SAID YOU'RE ON MUTE, Tue 3 Sep 2024, 16:33, archived)
Naps

(Fantasma:, Tue 3 Sep 2024, 15:57, archived)
12:01pm

(I helped save b3ta! Cheers Cheers, Tue 3 Sep 2024, 16:00, archived)
Tea and biscuits

(Fantasma:, Tue 3 Sep 2024, 16:01, archived)
Having a wank over Libby Kennedy on Neighbours circa 1999.

(evening 'My stage name is DJ Teargas', Tue 3 Sep 2024, 16:02, archived)

Libby Kennedy Bouncer
(I helped save b3ta! Cheers Cheers, Tue 3 Sep 2024, 16:04, archived)
Dead by 1999 m8.

(evening 'My stage name is DJ Teargas', Tue 3 Sep 2024, 16:04, archived)
Still didn’t stop you from cracking one off though did it

(I helped save b3ta! Cheers Cheers, Tue 3 Sep 2024, 16:06, archived)
True.

(evening 'My stage name is DJ Teargas', Tue 3 Sep 2024, 16:07, archived)
Fighting in the car park

(I helped save b3ta! $$ ✅, Tue 3 Sep 2024, 16:33, archived)
to the tune of babylon soldiers

(I helped save b3ta! mofaha ┐( ˘_˘)┌ ʅ(́◡◝)ʃ, Tue 3 Sep 2024, 16:37, archived)
Turtle power!

(evening 'My stage name is DJ Teargas', Tue 3 Sep 2024, 17:44, archived)
I'd like to complain
I just tried to buy a new phone through Carphone Warehouse and got turned down because of my credit rating. They said check with Experian to find out why. So I hecked and I have 999/999 score. Fuck them. Just bought a new one from Amazon outright. Cunts.
(I helped save b3ta! garold you're on mute I SAID YOU'RE ON MUTE, Tue 3 Sep 2024, 16:35, archived)
Does 999/999 mean you've never had credit?
Probably
(Fantasma:, Tue 3 Sep 2024, 16:38, archived)
No
it's a perfect history of payments, credit history etc. I've got a huge margin on my credit limit, mortgage etc. No idea what the fuck caused that. Never had a problem applying for credit cards or anything. I'm properly perplexed. May have to take out a month trial with equifax to see if they've got something weird that I don't know about.
(I helped save b3ta! garold you're on mute I SAID YOU'RE ON MUTE, Tue 3 Sep 2024, 16:45, archived)
fuck i thought my 987 was good
turns out i'm shit. who knew? heck.
(I helped save b3ta! MiseryCunt S P E L L C A S T I N G, Tue 3 Sep 2024, 17:12, archived)
i use experian. never had a credit issue in my life.
apart from those years no-one would touch me but that was just because i was it
(I helped save b3ta! MiseryCunt S P E L L C A S T I N G, Tue 3 Sep 2024, 17:13, archived)
You ought to check it out.
Could it be identity theft?
(Fantasma:, Tue 3 Sep 2024, 18:50, archived)
call the emergency services!

(I helped save b3ta! MiseryCunt S P E L L C A S T I N G, Tue 3 Sep 2024, 19:28, archived)
I’ve got 999/999 problems but a good credit score ain’t one

(I helped save b3ta! Cheers Cheers, Tue 3 Sep 2024, 17:43, archived)
dickin cliss

(I helped save b3ta! MiseryCunt S P E L L C A S T I N G, Tue 3 Sep 2024, 19:29, archived)
The score isn't that meaningful, and isn't the sole reason you can be turned down.
It's about your risk exposure - how much credit do you currently have access to (for example, there is more to it) as a proportion of your income and/or securities? It's not necessarily about debt or past efforts to pay off regularly.
(I helped save b3ta! Dave Trouser ; the people's choice - 75% agree, Tue 3 Sep 2024, 18:42, archived)
Yes, I know
but I'm using less than 30% of my available credit, an unbroken payment history, on the electoral register at the same address for 11 years all the stuff that they look at. I've checked with Experian and a couple of others that use Equifax and none are showing any issues. The only thing I can think of is I may have filled in the form wrong so there's a discrepancy between what I put down on the application and what's on my file e.g. house number.
(I helped save b3ta! garold you're on mute I SAID YOU'RE ON MUTE, Wed 4 Sep 2024, 12:15, archived)
Yeah, but, how much *potential* credit do you have available, if you were to max everything out?
Don't give me a figure, I want you to compare that total to your monthly income. A lot of people with "good credit" fall foul of this.
Ever notice your card providers putting up credit limits (unless you tell them not to first)? That hurts you, but isn't reflected in your "score". It doesn't matter if you use the credit - its mere existence for potential use is what counts here.
If you have spare, mostly unused cards, ditch them.

I say this because it got me years ago, and took a while to work out what was scuppering my plans for world domination. I have since ditched all credit facilities.

[bbno$ B.P.O.T. goes here]
(I helped save b3ta! Dave Trouser ; the people's choice - 75% agree, Wed 4 Sep 2024, 19:19, archived)
generally speaking, if i've got a few decent choices and i pick one i feel like i'm losing out

(I helped save b3ta! mofaha ┐( ˘_˘)┌ ʅ(́◡◝)ʃ, Tue 3 Sep 2024, 16:35, archived)
Beer garden while we can still smoke, make the most of it

(I helped save b3ta! broadsword now that's fresh, Tue 3 Sep 2024, 16:56, archived)
i refuse

(I helped save b3ta! MiseryCunt S P E L L C A S T I N G, Tue 3 Sep 2024, 17:37, archived)
getting home from work and jizzing out of a bedroom window

(I helped save b3ta! MiseryCunt S P E L L C A S T I N G, Tue 3 Sep 2024, 17:11, archived)
oh no a seagull shat on my car again
yes that's right, love. seagulls hate you.
(I helped save b3ta! MiseryCunt S P E L L C A S T I N G, Tue 3 Sep 2024, 17:16, archived)
That was me m8, jizzing out my window

(I helped save b3ta! Cheers Cheers, Tue 3 Sep 2024, 17:43, archived)
Unless that was the joke and I’m a fucking stupid fucking cunt

(I helped save b3ta! Cheers Cheers, Tue 3 Sep 2024, 17:44, archived)
That was indeed the joke.

(evening 'My stage name is DJ Teargas', Tue 3 Sep 2024, 17:45, archived)
In which case I am a fsfc

(I helped save b3ta! Cheers Cheers, Tue 3 Sep 2024, 17:47, archived)
YFSFC

(evening 'My stage name is DJ Teargas', Tue 3 Sep 2024, 17:48, archived)
True, but at least I haven’t knocked one out over an Aussie soap opera dog

(I helped save b3ta! Cheers Cheers, Tue 3 Sep 2024, 17:49, archived)
you should try it
it's great
(I helped save b3ta! MiseryCunt S P E L L C A S T I N G, Tue 3 Sep 2024, 17:59, archived)
Then you haven't lived.

(evening 'My stage name is DJ Teargas', Tue 3 Sep 2024, 18:07, archived)
-l -v +j +zz

(I helped save b3ta! MiseryCunt S P E L L C A S T I N G, Tue 3 Sep 2024, 18:20, archived)
you don't really want to be a mod do you

(I helped save b3ta! mofaha ┐( ˘_˘)┌ ʅ(́◡◝)ʃ, Tue 3 Sep 2024, 19:25, archived)
guyrockets in flight

(I helped save b3ta! 2 Can Chunder Word to your mums, I came to prod bums, Tue 3 Sep 2024, 23:23, archived)