#* Check Your Credit Score

[cibilindia]

[nafas22]

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[proserpine-in-phases]

Just got a voicemail from a debt collector wtf. I dont owe any debts. Well I'm not calling them back. They want anything from me they can send it in writing

[snailchimera]

You know how when somebody steals your debit card information, they'll sometimes make a series of very small purchases to check if your card works? Like $1-$5? Somebody did that to me this weekend and I had so little money in my account that they managed to overdraft it just doing that.

Fortunately I use a credit union that won't hit me with nightmare fees for a fraudulent overdraft, and I'm housing/food secure, so instead of this being a huge deal it's an exhausting but ultimately minor annoyance. I am also mildly entertained by the thought of whoever this was going to the effort of getting my card info only to buy a couple of songs/apps/gacha pulls or whatever on the apple store and immediately running out of money. Hope you got your my money's worth, buddy.

[jennifersbod]

European here but... whats a credit score?

you’re so lucky to not know this. basically it’s a record of how financially risky (or not risky) you are based on past loans, credit cards, hospital payments, etc. you need to have loans or credit cards to actually have a good score, but if you’re late on a payment or pay off too much at once it’ll go down. it’s used for basically everything that’s big financially: housing (can’t qualify for most decent apartments or mortgages with bad credit), school (student loans), etc.

[corelliaxdreaming]

Credit scores were literally designed to make everyone lose.

[bunnyb34r]

Man I hate the new scheduling app for work. They updated it to add all these "helpful" features, and they're cool and helpful... but they take too long to load IF they load at all, and it's always buggy. You can scroll up the screen and down the screen, god help you if you actually wanted to check your schedule, put in time off, or check your pay stub.

The old app was like one big screen that had your past schedules and your current to two weeks out schedule. You swiped left and you could put time off requests or check the status of em. Swipe right, check your availability and how long you've worked there AND your worker ID that you need to type in when you call out.

This one it's like good fucking luck even signing in. It asks for a pin and takes at least 2 tries and 5 min to get in. Then the homepage just let's you scroll up and down. Wonderful. Thanks. Love it. -5/5 stars.

[anakeb]

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[dragonsarrow]

My parent, buying a $250 suitcase, a new watch, and a $120 jacket that will end up at goodwill like the last several did: sorry I can't help with your $500 rent at any point :( you have to get a full time job while you do your MA :( i know you already owe $25k and just took out $50k but im just too poor since all my retirement money is gone :( you're also not allowed to move back here so you'll have to be on the street im so sorry I wish I could help you :(

[elitecreditboost]

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[moonlitdesertdreams]

Stuck like glue

Request: "I'm going to scream your domestic character joining coop on his travels from her cabin is SO good 😭 I was wondering if you would write something with the same character in her cabin when coop turns up from nearby having taken one too many bullets? Or maybe he's sick and needs some jet. Some hurt/comfort fluffy sweetness"

A/N: Thank you to the awesome anon who sent the idea! Maybe not AS fluffy as we wanted, but there's for sure some soft Ghoul going on in here. And, oh yeah, the reader has a dog now. No description of said dog has been given, so please imagine as you'd wish.

Tags: Fallout, Cooper Howard, Cooper Howard x F!Reader, Cooper Howard x You, Ghoul x Reader

WARNINGS: Canon-Typical language and violence, brief mentions of sexual interaction.

Summary: Your favorite Ghoul needs to be patched up after a spat with some Raiders, and you always know just how to make him feel better.

Word Count: 2.0k+

Gif credit to @elisefrost from this set

You’re outside attempting to hang clothes to dry when you hear it. 

The soft but distinct sound of jingling metal comes from behind your cabin. You set one hand on the pistol strapped to your thigh and walk in that direction, eyes peeled for any movement. A bark echoes the sound from your porch, and you snap at your four-legged companion in an attempt to get him to stay. 

“Tiger!” You hiss. “Quit!”

 He relents with an indignant huff and returns to the porch, while the metallic noise keeps up in a steady pattern, akin to the cadence of a slow walk. You tilt your head at the thought and eventually move the hand off your pistol; only one person would dare tread this close in broad daylight with such carelessness.

“Coop?”

You don’t see him anywhere, but you’re almost certain it was the sounds of his old spurs that caught your attention. 

“Cooper if you’re tryna scare me, you know I'll gut you.” The threat is an empty one, but saying it gives you some hope that it’s indeed him and not a Raider or Slaver looking to score some loot. 

“No need, babydoll.” His voice sounds ragged, tired. “Don’t think I could scare a bunny rabbit at the moment.” 

You follow his voice to your left, and find the Ghoul leaned up against a tree. He’s practically swaying in the breeze, very apparently unsteady. You rush over just as he slides down and collides with the dirt.. 

“Cooper! What happened to you?” 

Your hands flutter up and down his arms, brusquely checking for any injuries. Nothing obvious jumps out at you, but he heals fast and external wounds are rare. A wheeze claws its way up his throat and morphs into a hacking cough. You recognize the sound as the need for a Vial, and grab at his bag. 

“Do you have any on you?” 

A stuttered cough answers. “Fresh out… s’why I came here.”

Your stash of Vials had been growing just about as long as you’d known Cooper. When you traveled together, he’d hand some off to you for safekeeping, and there always ended up being extras. Upon your return home, he’d tell you to keep them. It wasn’t shocking, given that he found his way back every couple of days.

“Alright, come on.” You crouch down and position yourself beneath Cooper’s arm. 

You can tell he’s weak by the way he leans into you, knees wobbling relentlessly as you pull him up. Another round of coughing wracks his body and you squeeze him reassuringly. 

“Couch isn’t far.” You chose your words carefully, avoiding any inkling of pity. Having an already deteriorating Ghoul is enough, let alone a defensive one who hates being pitied. 

Cooper does his best to keep up with your steps, but his movements are sloppy and uncoordinated. You can feel the heat radiating off of him through his jacket and hear him wheezing beside your ear. Stepping onto the porch gives him some trouble, but you manage to haul him up and inside the door. Tiger whines nervously, circling the pair of you as you trek inside. The Ghoul collapses onto the couch as soon as it’s within reach. 

After making sure Cooper’s not going to slide off the couch, you continue to the med-kit in your makeshift kitchen. The Vials are hidden at the very bottom, wrapped in cloth for extra cushion to prevent shattering. You decide there’s more than enough for him to take two, and carefully extract the mysterious chem. 

Cooper’s laid out on his back when you return with the Vials. One arm is thrown over his eyes and the other dangling off the side of the couch with Tiger perched beneath. The dog nuzzles his favorite person’s hand for attention, and it elicits a chuckle from you. Even as the only conscious person in the room, you were still second in Tiger’s eyes. 

“Coop.” You shake his shoulder gently. “Hey. Hey. Where’s your inhaler?”

You nudge his hat away and he blinks slowly. “Mmm.”

“Ok then.” You mutter and pat down his jacket, searching for the contraption he always carries. The coat yields no results, and you pat down his pants until you feel it tucked away into the pocket at his hip. “Finally.”

Cooper shuffles ever so slightly when you slip your hand into his pocket. “H-hey now. I know you love me, baby, but I-I ain’t got it in me right now.”

An errant smile pushes its way onto your lips. You snap the meds into place on his inhaler 

“Open up.”

He fails to heed your instructions, and you ultimately end up forcing the inhalant into his mouth. It never works instantly, but within a minute or so of administering it there’s movement. One of Cooper’s hands lifts to cup yours, puffing on the inhaler again. 

You release your hold on it and rock back onto the balls of your feet. It’s then you take note of the holes in his clothing, and run a hand down his chest. There’s numerous holes, some as big as your finger and others no larger than a pinhead. 

“Cooper, what happened to you?” You sit on the edge of the couch beside him as he takes his first deep breath without Chems. 

“I just turn’d in a bounty and some Raiders jumped me.” He looks down at your hand on his chest. “Bastards shot me ten or eleven times. Damn buckshot got me good.”

You nod. “I can tell. You were in a bad way, Coop.”

The Ghoul sits up slowly beside you so his legs can swing off the couch. “I’ll be good as new, soon as this stuff starts workin’ good.” 

Tiger hops up on the couch next to him, tail wagging with excitement. The dog licks your cheek on his way to Cooper and pushes his nose into the Ghoul’s shoulder. You chuckle at the interaction, patting the dog’s shoulders. Coopers are still hunched with exhaustion, and his deep-set eyes look even more so. 

“Well until they do, you rest.” You stand, glancing out the still-ajar door. “It’s getting dark anyway.”

Cooper, as usual, opens his mouth to protest. If there’s anything he hates, it’s feeling useless. 

“No arguments.” You point a finger at him. “I mean it.”

He grumbles, but relents. “Fine. Only if you turn somethin’ on that ol’ TV of yours.”

The television turns out to be a perfect method of relaxation. You have to remove Cooper from the couch temporarily, but wrestle it into the pullout bed form and line it with blankets. The Ghoul had given in to his exhaustion rather easily at the prospect of a comfortable bed and kicked off his boots to climb all the way in. You hung his coat on a nail by the door, but made sure to leave his guns, lasso, and assorted weapons within arm’s reach. The TV played some old soap opera from before your time while you snagged a couple of hard candies- a luxury item, as the nearest settlement called them- and made to settle in. 

Cooper had managed to prop himself against the back of the couch, feet kicked out down the length of the thin mattress. Tiger, seeking attention as per usual, is curled up against his right leg. A wet nose rests just beneath Cooper’s knee and twitches in interest when you unwrap the first candy. 

The Ghoul might as well be a dog himself for the way his ears perk at the sound of a wrapper. 

He watches intently as you very gracefully clamber to sit next to him. You pop the fruit-flavored candy in your mouth and scoot around until you find comfort. In this case, it’s leaned up against the Ghoul beside you, head dropping onto his shoulder. His breathing is still shallower than you’d like, but a vast improvement from where it was when he’d shown up. 

“You ain’t gonna share?” 

You open your fist and offer up one of the candies. “I suppose I could. But only for you.”

A smirk twists the corners of his scarred lips. You poke at the candies and attempt to read the labels to no avail. 

“I’d offer you a choice of flavor, but…” You shrug, looking back up to your Ghoul. “Slim pickings.”

He lifts a bare hand to your chin, tilting up. “I think the pickin’s are just fine.”

You smile and lean in to meet him, lips falling into a familiar dance.The hand on your chin slides down to grip your nape and holds you firmly in place. It’s not long before the candy is gone from your mouth. Its remnants remain, mingling with the taste of gunpowder and smoke. A few moments pass before you decide to separate

“Miss me much?” You inquire, cuddling yourself down into his side. 

His arm raises to accommodate your body and lowers it back down to encircle your shoulders once you’re settled. “I always miss you darlin’. For a variety of reasons.”

You hum softly, “Yeah? Why’s that?”

Cooper’s hand trails up and down your arm, leaving wide trails of gooseflesh. “Well, the main one happens to be the lack of entertainment.”

You scoff. “I’m your entertainment?”

“Fuck yeah, you are. ‘Specially when you’re hollerin’ at scavengers and shootin’ anything that moves.” The Ghoul chuckles to himself. “Or trippin’ over a sleeping yao guai.”

You shove him playfully. “That was one time, and I shot it dead anyway.”

Cooper pulls you towards him, and you shift until you’re between his legs, back pressed against his chest. “That you did, sweetheart. I ain’t forgot.”

He grabs the nearest blanket and tosses it over your entangled bodies. You curl to the side and rest your cheek to his chest. Tiger shuffles his body with a huff, apparently frustrated with the lack of attention.

“What would you do without me?” You tap his chest gently, relishing in the warmth he produces. “Other than get eaten by a yao guai?”

The Ghoul scratches Tiger’s head. “Prolly go feral. Chase around some folk to scare em’.”

You know he’s joking, but the thought of losing him to ferality scares you to no end. Particularly since he’s just shown up on death’s door and almost hacked a lung onto your floor.

“Don’t say that.” You lift your head to catch his eye. “Please.”

Cooper may be a gruff old Ghoul with a dreadful outlook on the world, but he softens ever so slightly at your words.

“You know I don’t mean it, sugar. You’re stuck with me, whether you like it or not.”

Two scarred fingers hook beneath your jaw and pull you back up to his lips. It’s tame at first, but the Cooper you know wastes no time making an appearance. His teeth nip at your lip gently and one rough hand slides up your side until it cups your breast. You press into him eagerly, climbing upwards until your thighs slot around either side of his hips. He responds by grinding them into you, delicious friction warming you from head to toe.  

Tiger decides he’s disgusted at this point, and hops off the couch with a comical groan.

Unbothered, one of your hands latches onto the lasso that is tossed on top of his pile of weapons. You loop it around his neck, gripping either side of the rope and pulling him in. Cooper smirks against your mouth. 

“Oh I love being stuck with you, Cowpoke.” You whisper against his mouth, earning yourself a quick bite to the bottom lip.

The Ghoul grins and quickly shows how much strength he’s regained by reversing your positions. He snatches the rope faster than you can react, and wraps the fingers of one hand loosely around the column of your throat. There’s just enough pressure to shoot a pang of arousal between your legs. Cooper knows you’re squirming, and presses a knee there to relieve some of the ache. 

“Glad t’hear it.” He murmurs into your neck, “‘Cause I sure as hell ain’t goin’ nowhere.”

And you wouldn’t have it any other way.

-------------------

thanks for reading, much love ❤

Read More: Fallout Masterlist

[afscredit123]

[so-i-did-this-thing]

So, I have a big advice post to write, but until I have the spoons, I want to warn everyone now who has legally changed their first name:

Your credit score may be fucked up and you need to:

check *now* that all your financial institutions (credit cards, loans, etc) have your current legal name and update where necessary

check that all 3 credit bureaus, on their respective sites, not via a feed like Credit Karma (so, Trans Union, Equifax, Experian) are collecting that info correctly and generating the right score - you might need to monitor them for a few months if you made any changes in #1

I am about to apply for a mortgage and learned that as of 2 weeks ago:

Experian suddenly thinks I am 2 different people - Legal Name and Dead Name (none of whom have a score)

Equifax has reported my active 25 year old mortgage as closed and deleted one of my older credit cards, hurting my score by 30+ points

Credit scores influence everything from big home/car loans to insurance rates to job and housing applications.

And for whatever reason, the 3 bureaus that have the power to destroy your life are shockingly fragile when it comes to legally changing one's first name.

So, yeah. Once I get this mess cleaned up for myself, I have a big guide in the works if you find yourself in the same predicament. But with the mass trans migration out of oppressive states, odds are there are a lot of newly renamed people who are about to have a nasty shock when applying for new housing.

Take care, folks.

[unitedestatesllc]

[corelliaxdreaming]

What if the dentist had a normal payment plan through them instead of requiring me to sign up for a Wells Fargo healhcare credit card??