You appear naiive in every sense of the word. Stop getting your info from your "trusted adult" or reddit for that matter. Get your credit report and scores from the only trusted sources: MyFico or Annual Credit Report. Read the government housing websites, or even go over to the forum community on MyFico, which I personally like. If you follow through, you won't need to ask questions like this. Source: 6 months ago

Yeah, we all have 40+ different credit scores. Your CK scores are "legit" in terms that they're accurate VS3 (VantageScore 3.0) it's just that VS3 is rarely used in lending decisions which makes them nearly irrelevant. Fico scores are used the the majority of lending decisions, with Fico 8 being the most commonly used model today. The Fico 9 you are getting is lesser used than Fico 8 since few lenders adopted... Source: 12 months ago

When a company does an inquiry without your requesting it, like for a "pre-qualified" offer for a credit card, that's a soft inquiry and it doesn't show as a hard inquiry on your credit report. You can also check your OWN credit like on myfico.com, and that's a soft inquiry. Background checks are also in this category. Source: 11 months ago

You should go to myfico.com for credit help. This subreddit is know for some awful advice lol. Source: 12 months ago

Go sign up for an account on myfico.com or experian.com to see what your actual FICO scores are. You should also pull your credit report from annualcreditreport.com. Source: 12 months ago

Just go on happycow.net and put in Rio de Janeiro, filter by Vegetarian Options. That'll give you a better chance for a place that has both options and is cool. The places with options that aren't necessarily 100% vegan are still very good. Source: about 1 year ago

So how can we directly advocate in this situation? - tell the head guy/gal at the bakery that if they start regularly putting vegan cakes up on display to sell to anyone that you will register their bakery with the big vegan resource happycow.net to help direct vegan consumers to them. Source: about 1 year ago

Take a look on happycow.net as they list some vegan/veg/workable options. Sorry I can't provide direct local info. If others have local info I'm watching for it as well! Source: about 1 year ago

Nowadays, there are loads of vegan or vegetarian fast foods and restaurants in Paris, happycow.net has a map of Paris with plenty of filters to help you find what suits you best. Source: about 1 year ago

Happycow.net is usually my go-to for getting vegetarian/vegan recommendations for a specific area. Source: over 1 year ago