Yoḥanan (John) 10:14 TS2009 [14] “I am the good shepherd. And I know Mine, and Mine know Me, bible.com/bible/316/jhn.…

Yoḥanan (John) 10:15 TS2009 [15] even as the Father knows Me, and I know the Father. And I lay down My life for the sheep. bible.com/bible/316/jhn.…

Yoḥanan (John) 10:16 TS2009 [16] “And other sheep I have which are not of this fold – I have to bring them as well, and they shall hear My voice, and there shall be one flock, one shepherd. bible.com/bible/316/jhn.…

Nobody broke it down for me, I had to learn the hard way. Still learning. You can have over 50 stacks sitting in a bank account, and still get denied on a mortgage loan. Why? Because it's all about your credit score, not about how much you can provide as a downpayment.

The system is jacked up bro, for real.

So let me educate young adults who are just graduating high school. Build up your credit rating, if necessary get a secured loan, or a secured credit card line. Make those monthly payments.

Why? Because your credit score is very important.

I'm learning, the hard way. I don't understand why I get rejected when I try to purchase a home as a first time buyer, knowing I can provide at least 50 stacks for a downpayment.

It's about my credit score, because nobody broke it down for me as a young adult and explained the importance of establishing a credit history.

50 stacks to put down on a property, banks won't finance the rest of it, because of my credit score. That's nucking futs.

Nevermind the fact that bills get paid every week or month, some of those bills don't get reported to the credit agencies like equifax. The system is f ing messed up bro, for real.

Rent paid up to July 1st, f what the banks talkin bout, I handle my business, always pay my bills, and if not on time, it's because I was dealing with some other b.s.

At this point, I'm like, f those banks and lenders who look at certain numbers but don't look at the bigger picture.

I guess it's meant for me to leave that 50 plus stacks in a savings account and collect interest, while I build up my credit score.

Car note? Only reason I was two months behind is because I was attacked on the job. Police report was filed. That was over 2 years ago.

Bottom line, banks and lenders don't really gaf about the hardships, trials and tribulations you've been through to get to this point.

Could have paid the remaining 8 plus stacks on the other car, but someone suggested I not do that, to keep my credit score active.

At this point in the journey, knowing I have 50 plus stacks chilling in my savings account and my new (relatively) car has been paid for, I really don't know what else to do, except wait and keep paying monthly expenses, and build up my credit score.

No Nobel Peace Prize for warmongers.

That's it, I'm done.