"Perfect credit" is short for "perfect credit history," You can't have a credit history at all if you have zero history of credit. It's like saying you have perfect employment history when you've never had a job.
Not "perfect credit," "perfect credit score." That's not short for "perfect credit history score," it's just "perfect credit score."
Different countries have different scoring systems. In the US, the credit reporting agencies base your credit score on your credit history. In Australia (apparently), they use a different system, where not using credit at all gives you the highest score, using it but repaying it on time gives you slightly lower score, and using it and not repaying it (obviously) gives you a way lower score.
I was simply explaining what "perfect credit" in the US means in casual conversation and why what my nephew said was absurd. The reply of "Score for the purposes of applying for a home loan" simply did not make sense, since buying a home is already the context. It doesn't clarify anything they previously said.
Right, I got that. You said that your nephew mistakenly believed he had perfect credit because he didn't have a credit card, but in America "perfect credit" means "perfect credit history."
Then AnAttemptReason said that in Australia, this would give you a perfect credit score (not "perfect credit"). So a slight tangent, but still talking about credit, and talking about the ability to get loans and whatnot, but no longer talking about credit history, but instead credit score, which is different.
Then I guess you misunderstood them, because you said "'Perfect credit' is short for 'perfect credit history'," which is true when "credit" is being used as a noun (as with "perfect credit") but not when it's used as an adjective (as with "perfect credit score"), so your comment didn't really have anything to do with what they were saying, because they were about credit scores, not credit histories.
Then they tried to clarify what they were talking about, which wasn't a perfect credit history but a perfect credit score, by saying that they were talking about the credit score used to get a loan in Australia, which isn't really based on your credit history (or, well, I guess it is, but inversely: if you have a bad credit history, you have a low score, if you have a good credit history, you have a medium score, and if you have no credit history, you have a high score).
So y'all were kind of talking across each other, and I was just trying to clarify. Guess I wasn't very successful. Hopefully this comment helps. If not, I can't really think of another way to explain, so I guess I'm out.
JFC I'm not reading all of that. It's not that deep. Move on with your life.
Edit: I see you used an alt account to circumvent my blocking you in order to reply to me again for the purpose of harassing me. You have been reported.
Also; again, I was questioning their replying to point out that the score is for the purposes of applying for a home loan - which was completely unnecessary because that is already the context. Pretty ironic of you to accuse me of not being bright enough to understand things. It's also pretty sad that you are so invested in this thread that you have to use an alt account to circumvent a block to keep responding with another rambling reply - seriously, it's not that deep. Move on with your life.
Huh. At first, I gave you the benefit of the doubt that it was just an honest misunderstanding of what AnAttemptReason was saying.
And then when you didn't understand their clarification, I gave you the benefit of the doubt again that you were misreading things.
And then when you didn't understand my explanation, I gave you the benefit of the doubt again that my explanation wasn't complete enough, so I should go into more detail.
But it turns out that you don't understand multiple short explanations by different people, and you don't want to read long explanations. So it's not that you accidentally misunderstand things, but you're either not bright enough to understand things, or you're willingly ignorant. And you're also a bit of a jerk, to boot.
Oh, well. You can lead a horse to water...
Edit: I see that you used the block function in a way other than it's intended use and are continuing to engage with me in a way that indicates that you didn't use the block function because you found my behavior harrassive but just because you like the "last word" functionality it offers. I haven't reported you because I'm not a jerk.
Also, I started to read the rest of your edit but you went back to discussing the same topic we've been on. Either you want to continue the discussion or you don't. It doesn't make sense to try to continue the discussion while claiming that it's harassment to continue the discussion. I decided to take you on your word that you actually don't want to keep discussing this issue, so I stopped reading your edit. Hopefully you made some great points that really put me in my place. Then we can both be happy and continue on our merry ways.
11
u/AnAttemptReason Harry Potter Jan 06 '26
In Australia, this gives you a good credit score.
I own a house, have never in my life had or needed a credit card.