--The rules as we understand them, and the rules as they really operate--
I have a problem with rules. Not like, gotta fight The Man and wear safety pins in my earlobes and I'm a rebel baby that kind of problems-with-rules. Not spend-time-in-jail or got-suspended-from-school problems with rules.
No. I have problems understanding and following
unstated rules.
I'm tempted to say "it's one of those autistic things" but, for the record,
I'm not autistic. I have some hella fun (not!) sensory processing abnormalities that affect every aspect of the way I think and relate to other people and the world around me, and in some respects that runs parallel to autistic stereotypes, but... no. Not autistic. The problem with rules is in that genre: if someone has told me the rule, now I know the rule, and I can try to avoid breaking the rule. Unfortunately, most of the rules we live by are implicit, not explicit. Nobody told you the rule (unless you had really good parents who explicitly trained you about implicit rules: mine didn't), you were expected to pick it up by osmosis, by watching other people, by absorbing subtext from cultural sources and doing what comes naturally to social animals: monkey see, monkey do.
But if you didn't figure out that rule, and you violate it: SMACKDOWN TIME!
Because the social skills fairy got lost on the way to my house, I have an extremely hard time with implicit rules: the ones nobody tells you, but which you have to work out on your own. I observe what other people are doing much as an anthropologist observes a remote island tribe or a zoologist a bromeliad-dwelling frog. Watch for patterns, come up with a theory, try to build a working model from my observations. Fairly often, I badger normal people trying to get them to define the rules I am missing. They mostly will not do it. They don't actually
know a lot of the rules; they comply by instinct. And then there are whole sets of rules with an additional rule attached: it is against the rules to talk about this rule. So it's difficult to know what the precise actual rules are about, say, sex, or money, or religious practice... because there are hefty rules governing when, where, and with whom, you can talk about those things. You're supposed to just know. And you're not supposed to talk about it.
For example: my church has a long tradition of head-covering, but it is officially optional. If you are curious what actual guidelines or historical reasoning there might be in favor or against it... forget it. That topic is completely, 100% forbidden. Do not ask. Do not tell.
Or one of my favorites: I grew up in a culture where the stated rules about sex were: not until you are married, and then only with your spouse. And being a naive literalist... imagine my shock to find that I was the only one following those rules! No, the implicit rules, the rules that nobody said out loud, but everybody actually lived by (except me because I am stupid) were: don't have sex with just
anybody like a cat in heat, but it's OK to have sex with
nice people as long as you don't rack up too many of them before you get married, as long as they are single and of the opposite sex, you don't have more than one partner at the same time, and as long as you avoid pregnancy until after you get married (this was the most important rule). The acceptable partner number for girls was 3, maybe 4, while the acceptable number for boys was infinity.
I was told a set of rules, by people who did not themselves follow, or even believe in, those rules. I followed them anyway and I don't regret it, but it torched the credibility of the people who imparted the rules to me. Model collapse. People I thought were honest turned out to be lying. Who else is lying to me, and how much are they lying about? Do they
ever tell the truth or is it all just lies?
I can't lie, so it is extremely difficult for me to deal with people who can and do lie. I don't have a mental model for it and so overreact. You are dead to me because you lied, and now I can't trust anything you say ever again. Forget that most people lie some of the time for perfectly innocuous reasons like... they want to spare your feelings, or they're uncomfortable talking about something. Does not compute.
Whatever. It happens sometimes. Sometimes model collapse goes very wrong, but I'm able to deal with actual conscience-having humans and work it out. About a year into attending our current parish, I accidentally violated an implicit rule I didn't know about, and deeply offended our choir director, who is also the priest's wife. If that had gone badly, we probably would have had to find a new church to attend. But it didn't. She chewed me out privately, it was very unpleasant, but I was able to get her to
tell me the rule I had violated, and specific directions on how
not to violate that rule in the future. I'm still not her favorite person, but I'm nonetheless in the choir, she trusts me to chant vespers and lead the music once in a while when she is unavailable. We are able to work together, and we didn't have to find a new church and remove the kids from all their parish friends. Hooray.
Largely, I think this worked out because both of us care more about the music than about the rules.
As resolutions go, this is the exception.
Most of the time, people stay offended, the only explanation forthcoming is "Do you really expect me to believe you didn't know that?" the working relationship gets burned, and I don't know how to fix it.
Those are implicit
social rules. Sometimes when those go awry I can ask trusted friends and family and they can tell me what went wrong, how to avoid it in the future, and even make suggestions on how to fix it. This keeps the world from collapsing. Without them... every model failure is a sort of personal existential crisis: reality isn't what I thought it was, nothing I thought was real can be trusted, I'm too stupid to navigate civilization and it is time to take my five loaves and go find a cave in the desert to work out my salvation because there is nothing for me here in the world.
Which would be fine except I have a family to take care of. So... maybe later? Right now I have to grapple with model failure. I believed something about the world that turned out not to be true. Now what? If it's a small thing: adjust the model to fit this new data.
But sometimes, it's not a small thing. Sometimes we are not dealing with conscience-having humans. We are dealing instead with... something other. Dishonest people. Soulless bureaucracies. Inscrutable systems. Unstated rules that directly contradict the explicit rules. Perhaps worse: people who believe things that are objectively wrong but can't see that they are wrong, and propagate the wrongness. Motivated belief: people telling you untrue things because they
want to believe those things are true. These are all extremely difficult for me. Every time I find out someone I trusted lied to me, or someone I thought was an expert turns out to be wrong... model collapse. Existential crisis. Now I have to question everything I have ever believed about how the world works. Because if I was wrong about
that, I could be wrong about
anything.We have been trying to buy a house. The hunt for something both affordable and habitable has not been going super well, but there were glimmers of hope. We went through the pre-approval process for a mortgage, good for 90 days, and toured several prospective houses. The approval's getting stale after a couple months but we hadn't lost hope yet. And then, the credit bureau drop-kicked my husband's credit score 58 points. He's now under the required minimum score of 650 for most mortgages. We've disputed that, but the bureau gets 30 days to respond, and by then we'll be outside the pre-approval window. This effectively ends our current house search for at least a year. Maybe a few years.
What happened? Well, we couldn't find his credit card. We filed it somewhere safe the last time we moved. He never actually needed it so we didn't worry, just kept hoping it would turn up. No fraudulent charges, everything paid off, no problem (right?). But since he doesn't have much of a credit history, his credit score isn't as good as mine, and we were looking for ways to improve it. When we got married he had no credit. Zero. Had never had a card, or taken out a loan, because why would you do that if you don't need to borrow money? I convinced him to get a secured credit card and just use it for gas stations and pay it off every month, to establish a history and add a layer of extra security between gas station card-skimmers and our checking account. It had a $500 limit, and after a few years he had an OK credit score. Never missed a payment or anything.
But we noticed that his score took a little hit every time he used the card. Turns out if you use more than a certain small percentage of your total available credit, it dings your score. So, OK, if your total credit limit is $500, and you spend $51 a month filling your gas tank, then even if you pay it off at the end of each month, that's more than ten percent of your credit, and it hurts your score.
So we stopped doing that, his score gradually recovered, cool, fine, we've got this. The rules weren't what we thought they were, we adapted.
And then, for reasons we still haven't nailed down, 18 months ago, his credit score dropped 50 points overnight. There's a dispute process for if there is incorrect info on your credit report. We ordered ALL the reports and there was nothing. Probably he just hadn't used the card in 12 months and it got dinged as an inactive account. Another rule we didn't know about: having a credit card and not using it hurts your credit. We kept trucking along as usual. As far as we could tell, it was a catch-22 situation: if he used his card, it dropped his score a couple points each month. If he didn't use it, it dropped 50 points at long, unpredictable intervals and recovered at a rate of 1 point every 2 months. So letting the account "go inactive" (nothing happened to the account: he could use it any time) takes 100 months to recover from. And there's absolutely nothing we can do about it after the fact. There was nothing inaccurate in his credit report to dispute. The lack of activity was the problem. Or that's our best guess. They don't ever actually tell you.
Even with that drop, he was still above the magic 650 so we could apply for a mortgage and look for a house.
When we applied (-14points), we talked to the loan officer and the real estate agent extensively about what we could afford, how we could afford it, and... about how to work on our credit without triggering more hard inquiries. What we should have done (but didn't know about) years ago was
ask the bank for a higher credit limit on the card, so that a single gas purchase wouldn't hurt his credit score and we could keep the account from dormancy. Nobody told us that one, and we can't do it right now because it'll result in a hard inquiry and cost us another 14 points. So, on the advice of an expert, we requested a replacement card, so we could then charge $50 on it, and then spend a few months making the minimum payments instead of just paying it off like we usually do. This, the expert told us, would result in a
declining credit balance over some months, which would improve his score. Nobody can tell us how much it will improve his score, and it does result in an initial ding, but... OK we'll try that.
But we had to replace the card first.
I have asked the internet about this one, and a lost card replacement is not supposed to affect your credit in any way. It's a routine procedure.
But that's not what happened. We replaced the card, and his credit score dropped 58 points on the same day the lost card replacement registered with the credit bureau. The credit bureau is not required to explain any of that, and in fact goes to a great deal of trouble to avoid explaining and maintain plausible deniability about destroying your credit for no obvious reason. But it
looks like what happened is, the lost card got logged as a
closed account that was immediately replaced by a new account with the exact same start date, card number, credit limit, etc. But for the split second where the account was "closed", my husband's total available credit went to zero. Which vaporized 58 points from his score instantly. And now we don't qualify for a mortgage. We still haven't recovered from the last 50-point vaporization, so... I guess we spend the next couple of years playing credit-card games to see if we can use unnecessary interest payments to buy our way back into the good graces of the credit bureaus.
Everyone says a lost card replacement doesn't affect your score. Did we trigger some extra-special exception?
The best part was that we replaced the card so we could use it, so the account wouldn't go dormant. So we could improve his credit score.
But even though I read up on how to improve credit, I asked for expert advice, and I believed my sources and took their advice: I was wrong. The model I constructed was wrong, and it failed catastrophically. And our chance of buying a house this year went to zero. Hard fail. If the recovery follows previously-established patterns, his score will recover in 8-9 years. I hear it only takes 6 years to come back from personal bankruptcy, so if it's 8 years to recover from not-using your card, and 9 years to recover from replacing a lost card... does that imply something about the credit bureaus' priorities? Is it even worth dealing with banks and credit? Are we getting burned repeatedly because the way we live is inherently incompatible with how America does finance?
Because this is a recurring problem in my life, it's hard to just brush it off as "well, we'll keep trying and figure it out." It feels personal, and it reaches back through time and melds with every other disastrous personal failure that resulted in model collapse. Like that time I bought the same outfit all the other 9th-grade girls were wearing: the corduroy skirt and cashmere cardigan from Express. Surely I would fit in now! I had cracked the code! I had The Outfit! Nope. The outfit also included a 16" necklace with either a heart or cross pendant, taupe opaque tights, chunky-heeled loafers, carefully immobilized bangs, and being in the same class as the most popular girl since kindergarten. Whoops. How could I have missed that? We're terribly clever people. I scored in the 98th percentile on the SAT. We know tons of people who are way dumber and way more broke than we are, who nonetheless have perfectly immobilized hair and amazing credit: scores over 800. But we are selectively retarded about these things, because of the implicit rules problem. Credit bureaus keep their formulae secret. They have the right to say whether or not you are worthy of a mortgage, but you don't have the right to know how they calculated your worthiness. Replacing a lost card has no effect on your credit, until you actually do it, and then you are ruined for years because it triggered some special exception nobody knows anything about. You don't get to know what the rules are until you violate them, and then you get napalmed.
Model collapse.
The world is no longer coherent.
Whatever we thought the rules were, we were wrong. Nobody is going to tell us the real rules: we'll have to guess. And every time we get it wrong: KABOOM! Once again, I am standing there, mortified, wearing that stupid corduroy skirt and realizing that my legs are humiliatingly naked and I don't even have bangs, and it was never about the clothes anyway.
And, you know,
what else are we catastrophically wrong about? And when will the next retaliatory strike happen? This is the part that's most difficult. Everything we thought was solid ground turns to quicksand for a while. Nothing feels safe. No decision feels justifiable. We can't even figure out this simple thing that tons of our more normal peers have mastered. We're a really really SPECIAL kind of stupid.
It's happened before. Eventually things stabilize. The mistake is isolated. Life goes on. The model gets rejiggered to include the new data. It's probably still wrong, but slightly less wrong than before. Hopefully the next time the rule we didn't know about sidles up and kicks us in the teeth, it won't be wearing steel-toed boots. I will keep reminding myself that I've been through worse, and survived it. TransUnion can't make me give up on life.
But TransUnion might make me give up on buying a house. I am completely ready to throw in the towel on that, take our carefully-saved downpayment fund, buy an empty lot, slap a decrepit used trailer on it, and spraypaint "TO HECK WITH ALL THAT" on the front door. At least I could have a garden again.