# DO NOT TALK ABOUT FAMILY, TAZERS, OR DEAD PEOPLE ITT.

**URL:** <https://forums.speedlife.net/t/do-not-talk-about-family-tazers-or-dead-people-itt/261185>\
**Category:** Shift518 Off Topic\
**Created:** [November 4, 2011, 7:00pm UTC](https://forums.speedlife.net/t/do-not-talk-about-family-tazers-or-dead-people-itt/261185 "2011-11-04T19:00:11Z")\
**Posts on this page:** 1\
**Showing post:** 601

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**Author:** ![Cossey](https://avatars.discourse-cdn.com/v4/letter/c/3ec8ea/32.png) [@Cossey](https://forums.speedlife.net/u/Cossey)\
**Post date:** [November 21, 2011, 4:06pm UTC](https://forums.speedlife.net/t/do-not-talk-about-family-tazers-or-dead-people-itt/261185/601 "2011-11-21T16:06:35Z")

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> [@\*\*\*\*Official: Southgate Meet Thread\*\*\*\*](https://forums.speedlife.net/t/official-southgate-meet-thread/29171/1844):
>
> Seriously. Having payments on things isn’t a bad thing. How are you ever going to build credit? And if you’re living at home with mom and dad there is no reason to have huge debt so saying how financially responsible you are is stupid. You don’t have any sizeable bills like a mortage and I doubt your parents are charging you rent.

And it’s not like the parents would actually kick them out if the missed a month’s rent.

You will NEVER build your credit for the times when you need it (buying house, unforeseen circumstances, a car that costs more than $15k, and I’m not being an asshole, just using that as an example) if you do not have some line of credit such as a personal or car loan, credit card, etc. A bank can not accurately gauge your credit if you have no credit history. Having decent income with no debt will only get you so far.

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