Pippakistan's Psych Ward

[pipilurker]

if she's buying: 3 years of tax returns is gonna show that her wealth is fairly recent followed by the industry she's in.

if she's renting: as far as we know, she's lived on her own in 2 places over a year, maybe year and a half. thats a short rental history. same financial issues as buying. especially on the west coast where all the landlords were fucked by eviction moratoriums. i wonder if she makes 3x the rent for income

I'd imagine she's trying to buy something. Like you said with the underwriting, I bet she has none existent credit and can't get approval for a loan. I figured she moved back in with her parents to save money for a fat downpayment. Unless fishman is fleecing her hard, pippa has got to be making at least 6 figures.

 

[Eat em and breed em]

 

[The Peanut Gallery]

We've been robbed our fish collab yet again

 

[famous artist pipkun]

I'd imagine she's trying to buy something. Like you said with the underwriting, I bet she has none existent credit and can't get approval for a loan. I figured she moved back in with her parents to save money for a fat downpayment. Unless fishman is fleecing her hard, pippa has got to be making at least 6 figures.

i dont see why her credit would be bad. im imagining now that the owner wanted to meet the potentional buyrr and she flubbed the meeting.

 

[pipilurker]

i dont see why her credit would be bad. im imagining now that the owner wanted to meet the potentional buyrr and she flubbed the meeting.

I figure she has no credit history. Im around pippa's age and have a great credit score because I got a credit card at 18 and barely used it for over half a decade. Now I have a long credit history (for someone my age) with low utilization. Lot of my friends have shit credit scores because they didn't get cards til their mid 20s and have fuck all credit history holding them back. Pippa never worked until like 3 years ago and she doesn't take me for the type to open a credit card on her own accord. This is just speculation on my part. I feel for her as a west coast resident because the housing market here is going to stay fucked for a long time with the retards in charge of these states.

 

[famous artist pipkun]

I figure she has no credit history. Im around pippa's age and have a great credit score because I got a credit card at 18 and barely used it for over half a decade. Now I have a long credit history (for someone my age) with low utilization. Lot of my friends have shit credit scores because they didn't get cards til their mid 20s and have fuck all credit history holding them back. Pippa never worked until like 3 years ago and she doesn't take me for the type to open a credit card on her own accord. This is just speculation on my part. I feel for her as a west coast resident because the housing market here is going to stay fucked for a long time with the retards in charge of these states.

you guys are fucked with homeowners insurance being unaffordable or outright not available. thats going to cause an issue with underwriting as well.

if she had utilities and rent under her name she could use those to build a credit history but its a pita to set up and youd need a loan officer who's going to play along. the timing, like you say, is whats gonna be killing her.

 

[DogBone]

Will we get a Pippa debtmaxxing arc because she's realized she'll never get to build enough good credit to get approved for buying a house?

 

[JMForte]

I figure she has no credit history. Im around pippa's age and have a great credit score because I got a credit card at 18 and barely used it for over half a decade. Now I have a long credit history (for someone my age) with low utilization. Lot of my friends have shit credit scores because they didn't get cards til their mid 20s and have fuck all credit history holding them back. Pippa never worked until like 3 years ago and she doesn't take me for the type to open a credit card on her own accord. This is just speculation on my part. I feel for her as a west coast resident because the housing market here is going to stay fucked for a long time with the retards in charge of these states.

Pippa does have a credit card, she's talked about it before, she has also gone on about having good credit and how it's easy to have good credit, she had that argument with kirsche about credit cards during a palworld collab.

 

[RestlessRain]

Why are you all worried about Pippa not having a good enough credit score to buy a house when she wastes all her money on plastic and junk food. Pippa's going to be a renter all her life.

 

[pipilurker]

Pippa does have a credit card, she's talked about it before, she has also gone on about having good credit and how it's easy to have good credit, she had that argument with kirsche about credit cards during a palworld collab.

I'm behind on my pippa lore TBH. Didn't know that.

 

[Thomas Talus]

im imagining now that the owner wanted to meet the potentional buyrr and she flubbed the meeting.

I can't imagine a seller's agent allowing that sort of thing to happen in CURRENT YEAR, it's an invitation to claims of an FHA violation. It could happen with a FSBO, I guess.

It wouldn't surprise me if the underwriter looked at a job in a new and still-unstable industry without a proven track record that heavily depends on contributions by fickle audiences, where there's just been a wave of corpo failures, and got the heebie-jeebies.

 

[famous artist pipkun]

I can't imagine a seller's agent allowing that sort of thing to happen in CURRENT YEAR, it's an invitation to claims of an FHA violation. It could happen with a FSBO, I guess.

It wouldn't surprise me if the underwriter looked at a job in a new and still-unstable industry without a proven track record that heavily depends on contributions by fickle audiences, where there's just been a wave of corpo failures, and got the heebie-jeebies.

its seller dependent for sure. some buyers write letters, others figure out if they have any fraternity or sorority connections, or the realtors know each other. the great thing about covid-19 was that the rules were fast and loose.

 

[Thomas Talus]

"Love letters" were actually banned for a little in Pippa's jurisdiction, although that was thrown out by the courts.

 

[Realticule]

I wish I could be there to comfort the Pippa, please get better soon and I hope things look better tomorrow for our wonderful good girl.

If someone would like to use this to make me a BGM, I would be very interested.

Virgin Proctor begging for people to make BGMs for him while Chad Reticule gets ballads by @thhrang without asking.

 

[MythicalSloth]

Credit HATE. I have friends who have been turned down from buying a property outright, every dollar of the asking price ready to be handed over that very second because they committed the ultimate sin of living with their parents into their late 20's and never bothered playing the retarded game with credit cards and rent.

 

[MerelyTourist]

Credit HATE. I have friends who have been turned down from buying a property outright, every dollar of the asking price ready to be handed over that very second because they committed the ultimate sin of living with their parents into their late 20's and never bothered playing the retarded game with credit cards and rent.

US credit score is degenerate abomination and must be eradicated. How the fuck it's relevant when you pay full price in cash?

Pippa tiny house building arc?

 

[Realticule]

US credit score is degenerate abomination and must be eradicated. How the fuck it's relevant when you pay full price in cash?

Pippa tiny house building arc?

I'd be amazed if someone turned down a full cash payment because of credit score. Though really credit score is a retarded joke you can game easily.

 

[Security]

US credit score is degenerate abomination and must be eradicated. How the fuck it's relevant when you pay full price in cash?

Government.

 

[pipilurker]

US credit score is degenerate abomination and must be eradicated. How the fuck it's relevant when you pay full price in cash?

Pippa tiny house building arc?

Funny you mention that

 

[famous artist pipkun]

"Love letters" were actually banned for a little in Pippa's jurisdiction, although that was thrown out by the courts.

Never had a problem or know anyone who did, but i use an experienced realtor and not the schlub zillow advertises.

Government.

patriot act to be specific.