Late Stage Capitalism
A place for for news, discussion, memes, and links criticizing capitalism and advancing viewpoints that challenge liberal capitalist ideology. That means any support for any liberal capitalist political party (like the Democrats) is strictly prohibited.
A zero-tolerance policy for bigotry of any kind. Failure to respect this will result in a ban.
RULES:
1 Understand the left starts at anti-capitalism.
2 No Trolling
3 No capitalist apologia, anti-socialism, or liberalism, liberalism is in direct conflict with the left. Support for capitalism or for the parties or ideologies that uphold it are not welcome or tolerated.
4 No imperialism, conservatism, reactionism or Zionism, lessor evil rhetoric. Dismissing 3rd party votes or 'wasted votes on 3rd party' is lessor evil rhetoric.
5 No bigotry, no racism, sexism, antisemitism, homophobia, transphobia, ableism, or any type of prejudice.
6 Be civil in comments and no accusations of being a bot, 'paid by Putin,' Tankie, etc.
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How much time is "since", and your credit score according to what/who? If it's Credit Karma, keep in mind that its scoring method "VantageScore" 'zaps' a closed/paid off account from your credit history immediately, but none of the credit reporting bureaus work that way, they continue to consider the paid off loan with respect to account age/etc. for a number of years afterwards.
Based on how the blanks are filled in above, you may have your fair share of "clueless", so I wouldn't be so hasty to call people "clueless liars" (not to mention that if someone is wrong because of lack of knowledge, that by definition is not a lie).