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Gen Y was essentially renamed to Millennials.

I'm in the subgroup of late Gen X known as "Xennial". We're described as the "analog childhood, digital adulthood" group that basically grew up without the internet but that it came on so fast in our teens and college years that we adapted to it in real time while older Gen X was already into their professional lives and trying to do it after the fact. On the younger end, most Millennials don't really remember that life could exist before the internet because it was a constant in almost everything they did.

If you're at the front of Gen Y, you might be in that Xennial group as well.

i'm there as well. don't feel i fit in either group very well, but do fit in some regards for each.

I'm in the subgroup of late Gen X known as "Xennial". We're described as the "analog childhood, digital adulthood" group that basically grew up without the internet but that it came on so fast in our teens and college years that we adapted to it in real time while older Gen X was already into their professional lives and trying to do it after the fact. On the younger end, most Millennials don't really remember that life could exist before the internet because it was a constant in almost everything they did.

That pretty much sums me up, but according to age on that list, I'm in the tail end of Gen X and not at the front of Millennial.  

The credit ratings, for me, don't seem very revealing.  I think there is a difference between a 500 and an 800.  But were I a lender, I'd be looking at more information.  I know mine bounces around a bit, maybe +/- 30 points, for no apparent reason.  Like most ratings of things, my suspicion is the CR is based on weirdnesses.

I can tell you from my banking days that lenders, at least in that industry, definitely factor in credit scores, but also several other things, like debt-to-income ratio.  

The FICO formulas have time-sensitive variables, meaning it can and will change just with the passage of one reporting cycle, regardless of whether you did anything in the last 30 days or not.  It's nearly impossible to keep it from bouncing up or down a few points.  

And of course, there's no one credit score.  There's multiple FICO models and three different credit reporting agencies.  Depending on which agency's info is used, and which formula its plugged into, you'll get different scores.  Which is why some people's bank or credit card company offers their credit scores for free and people go to buy a car or something and think they know what their score is, but it's not the same as what the lender is looking at.  Mortgage underwriters are often looking at FICO 5 (I think....it's been a while) while credit card companies are looking at FICO 8 scores (which is the score my credit card provides to me as a "perk").  Still others, like auto-loan businesses are looking at yet another one, FICO 9, maybe....not sure. 

In general I think its safe to assume that the scores are pretty ballpark, so if you have good credit on one, it's probably good on another.  

Hmm...I'm not really crazy about that term.  I was born in '75, slightly before what most consider a Xennial (77-83, coincidently the same years the original Star Wars films were released).  I can remember computers and technology being at the forefront of my childhood, from the Speak and Spell I had as an elementary school student, to calculators, early computers, and then the beginnings of the internet in the early to mid 90's.  My college experience perfectly mirrors the statement that "digital adulthood" group that basically grew up without the internet but that it came on so fast in our teens and college years that we adapted to it in real time".  That part is definitely real. 

I know many in my generation who didn't adapt to computers or the internet at all, beyond looking at the web or using their phone.  They are computer illiterates, most of them chose that. 

Speaking of which, when I took a job on a large project 10 years ago I was stunned at the number of millennials who do did know how to use a real PC.  They could use their phones and Chromebook, but when it came to navigating their way around a PC many of them were clueless. 

Yeah, you're the same age as my older sister (also '75), while I was '78. I do think there was a big difference, even between the two of us. 

I don't think she interacted with the home computer much in high school except for word processing. So for her it was a fancy typewriter. In the one year she attended college (lol), I don't think it was very common for students to have their own PC yet. But by my freshman year, it was very common. And then email was JUST starting to come on in regular usage while I was in college. I couldn't email my parents--they sure as hell didn't have email. I'm pretty sure I couldn't even email my sister at that point. Although she and her BF (now husband) were operating his marina on Lake of the Ozarks at the time, I'm not sure they had email accounts associated even with the business. 

Now, part of the difference between my sister and I, like utee's experience, is that I was a techie nerd even back in high school. My sister is very smart, but she is absolutely NOT a techie nerd. She's the opposite. So it's possible I was simultaneously ahead of this curve, while my sister was behind it. I think you may have made use of that early-mid 90s connectivity and internet in a way that I did and she didn't, despite you being the same age ahead of me as she was. 

But I still consider it wild the degree and the speed at which it changed the world. And then advance another decade and you add the smartphone... Someone who lived in 1920 might recognize the world of 1980. Probably the biggest changes in those 6 decades was TV, widespread electrification, and air travel. Someone who lived in 1970 would probably not recognize the world of 2023. We carry around, in our pockets, a portable communication device that can give us access to nearly all of the world's information... In seconds.. 

My Dad was born in 1917, in a house with no electricity.  His early years were not much different from 1,000 AD.  He recalled seeing his first car when he was about 8.

Yes yes I know I'm not paying enough attention to recruiting rankings. But I think Georgia is fine there too.

You're like the Michael Jordan of misrepresenting other people's ideas.  

I can tell you from my banking days that lenders, at least in that industry, definitely factor in credit scores, but also several other things, like debt-to-income ratio. 

I could see looking at the score as a first blush, someone with a 400 means you need not look further.  But is it possible someone with a 750 could be a poor credit risk?

And it's turned into bragging rights at times since we can all access it pretty easily.