Today, we are bailing out the banks because of their greedy and deceptive lending practices in the mortgage industry. But this is just the tip of the iceberg. More is coming, I’m sorry to say. Layoffs are being announced nationwide in the tens of thousands. As people begin to lose their jobs, they will not be able to pay their credit card bills either. And the banks will be back for more handouts.
Den amerikanske kreditbranche har været meget optimistisk omkring privatpersoners kreditvurdering.
De opererer med et kreditpointsystem, frem for at gå ind og vurdere den reale privatøkonomi, de undersøger hverken huslejeudgifter eller personlig indkomst.
Han nævner et konkret eksempel:
I recently had a client apply for a credit card. She is a homemaker, with no personal income. The house she lives in is in her husband’s name. She would have asked for a $3,000 credit line, just to pay miscellaneous expenses and to establish some credit on her own. So the computer is told that her household income is $150,000; her mortgage/rent payment is zero. The fact is that her husband’s mortgage payment is $7,000 a month (which he got with a no income verification loan). She had a good credit score, but limited credit since she has only lived in this country for the last three years. The system gave her an approval for a $26,000 line of credit!
Derudover arbejder de ihærdigt for at få kunder til at bruge kreditten ved at for eksempel udvide den uden at spørge.
Så det er ikke umuligt, at bankerne snart melder sig i Washington med hatten i hånden endnu en gang.
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