Credit.... Amazing...

I gotta vent again......
Try to keep it short.
For the last 20 years, I haven't been able to get a loan from an American bank for more than a couple $k because employment/ID card was/is only issued a year at a time and I'm not a soldier that would be easy to track down. Can't get a loan from a German bank because I'm not listed as a German citizen. Wife's status/income makes no difference to an american bank and mine makes no difference to a German bank. Our house is financed through a German bank (wife has been with for 20 years) and all listed as coming from my her income. She can't get a loan because it looks like she's putting all her income on the house. Saw a thing on TV about a place called Easy Credit. Got online and asked for 10k euro and got an answer in 10 minutes with an interest quote if approved. Interest was 3% lower than her bank advertises.The online place asked for an application accompanied by 2 pay stubs. Filled it out online, emailed the two stubs at 1400 Thursday just for giggles. Wife was checking her account online a few minutes ago and the money was in her account (deposited at noon Friday).
Not complaining at all causeshe needs a new vehicle, just amazing that niether one of us could get anything our own bank and a fly by night dropped it in with basically no questions.

Done now :roll:

Dave

Dave:

Obviously you are not a member of a preferred minority. If you were, you would have had no trouble getting credit these past 15 years or so, whether you deserved it or not.

Dean

OTH, it is/ was nice being debt free aside from the house :roll:
Can even pay this place back early without a penalty...

You just poked that minority thing, but it's the same here. The Germans (most anyway) drive/maintain older more modest vehicles while the Russians, and Turks drive the big fancy stuff when theymake less money than some of the Germans. Why? Cause the social system caters to them. Better quit now, don't wanna wake the poof monster.

Dave

You shouldn't report things like that! Almost all of my adult life I've told myself that no one in their right mind would lend money to me. I never tried real hard to find out if that statement is true and don't intend to do so now. The idea has kept the wife and I out of lots of financial trouble over the years.

Christopher