<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>avita1</author><text>If you&amp;#x27;re in the position to be buying a house, voting is basically free.  Ignoring a credit score when applying for a mortgage can be considerably more expensive.</text><parent_chain><item><author>delinka</author><text>Might as well not even vote. Your one votes can&amp;#x27;t turn the tide.</text></item><item><author>drcode</author><text>Yeah, instead of getting my lender to give me a better interest rate or a discount on fees, I&amp;#x27;m going to instead use my negotiating leverage to make sure Equifax makes $20 less revenue.</text></item><item><author>cwkoss</author><text>My lender always drops the lowest of the three scores, so I was able to just say &amp;quot;I&amp;#x27;m going to keep looking at other lenders if you contact Equifax on my behalf.  Can you agree to not use Equifax on this deal if I agree move forward today?&amp;quot; and it wasn&amp;#x27;t a problem.&lt;p&gt;Some of the larger lenders may not have this flexibility.</text></item><item><author>noodlesUK</author><text>Does this actually work? Do bank employees have any control of the credit check process?</text></item><item><author>cwkoss</author><text>If anyone is getting a mortgage or refinancing soon, ask your lender to &amp;#x27;drop&amp;#x27; equifax without running your score with them - just take the score from the other two.  Equifax is an unnecessary security and privacy risk.&lt;p&gt;They are a horrible company that needs to go out of business.  Make their customers feel embarrassed to be doing business with them.</text></item></parent_chain></comment><story><title>Equifax doesn&apos;t want consumers to get their $125</title><url>https://www.nytimes.com/2019/09/16/opinion/equifax-settlement.html</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>dsfyu404ed</author><text>Depending on where you live that can be very true.</text><parent_chain><item><author>delinka</author><text>Might as well not even vote. Your one votes can&amp;#x27;t turn the tide.</text></item><item><author>drcode</author><text>Yeah, instead of getting my lender to give me a better interest rate or a discount on fees, I&amp;#x27;m going to instead use my negotiating leverage to make sure Equifax makes $20 less revenue.</text></item><item><author>cwkoss</author><text>My lender always drops the lowest of the three scores, so I was able to just say &amp;quot;I&amp;#x27;m going to keep looking at other lenders if you contact Equifax on my behalf.  Can you agree to not use Equifax on this deal if I agree move forward today?&amp;quot; and it wasn&amp;#x27;t a problem.&lt;p&gt;Some of the larger lenders may not have this flexibility.</text></item><item><author>noodlesUK</author><text>Does this actually work? Do bank employees have any control of the credit check process?</text></item><item><author>cwkoss</author><text>If anyone is getting a mortgage or refinancing soon, ask your lender to &amp;#x27;drop&amp;#x27; equifax without running your score with them - just take the score from the other two.  Equifax is an unnecessary security and privacy risk.&lt;p&gt;They are a horrible company that needs to go out of business.  Make their customers feel embarrassed to be doing business with them.</text></item></parent_chain></comment><story><title>Equifax doesn&apos;t want consumers to get their $125</title><url>https://www.nytimes.com/2019/09/16/opinion/equifax-settlement.html</url></story>