Why do red states have such bad credit scores?

Lol red states in the snow belt are the only ones with decent credit scores. Low time preference high impulse control

35% of your credit score is length of history (which is implicitly discriminatory to young people even with good track record a of payment), 15% is credit mix (cards, revolving loans, mortgages), 30% is count of on time payments and the remainder is the number of trade lines open. It's a profitability calculator and an IQ test.

Smart people realize you can just not pay and use clever tricks to leave creditors holding the bag with no recourse.

Nigger Montana North Dakota and South Dakota vote republican every fucking cycle
What the fuck are you talking about??
The map obviously mirrors racial demographics

The only reason blue states don't have bad credit scores (according to your memesourced pic, anyway) is because you can't overdraw from an EBT card

pretty sure it's the whole country
>what is a debt-based currency?
blue no or low debt:income ratio
orange 3:1 debt:income ratio

Attached: 1999 vs. 2019 debt:income ratios.png (2880x1424, 2.8M)

credit scores are based off of borrowing. south dosnt need to borrow as much because there is work.

>credit score
kek literally just a kike obedience score.
fuck off

not really, whites control those states. Black people have virtually no say at the state level in the South

Fpbp sage and OP will never be a real woman

And you "smart person" have done none of these

Attached: Liabilities by race.png (2270x1328, 236.82K)

Those are average individual credit scores. A credit score is a Jewish invention that allows a lender to quickly assess your likelihood of repaying a debt.

I have 0 credit fuck kikes and fuck banks

Sheeeeeit

>I don’t know shit about this topic
>yeah I’m gonna say whatever comes to mind first

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There are a lot of people that have no credit history at all thus dragging the average down. Credit scores are literally good goyim points. And I’m saying that with a 761 (((credit score))).

Wife is this? The feds showing food prices going down for thanksgiving? 680-720 is literally the same class of buyer. Get fucked faggot

Those southern red states are legitimately the cotton belt and Mexico-lite

> Live in blue state
> Rent too high
> Guess I'll have to put it on the credit card this month.
> No one will extend my credit line.
> Homeless
> Travel south for the warm winter.

>> Why do red states have such bad credit scores?

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>funny hurrr
im gonna close this topic now. you edumucated me so much. im sure others will gufaw with you. reetard

test

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spics spending money they don't have with all the credit card offers

In the south rednecks finance boats that drop in value the minute they are purchased. They also finance RV’s that cost more than 20 years of vacationing in resorts. They finance big trucks and then don’t use them to haul anything. There are a multitude of reasons these stupid fucks ruin their credit. Mostly due to keeping up with the Jones’s.

tfw you have a nigger tier score

>Pretending that credit isn't just another system of control propped up by the kikes

My fucking sides.

Its niggers and spics with shit credit and pretending its anything else is cope.

I use it renting out a house. Those kikes know their shekel system.

Take (((their))) "money" spend it and then tell them to fuck off.

Why are a lot of the best states for credit score red?

This.

based and fpbpilled