I always assumed credit scores were an integral and historic part of the American financial system.
They were not, they are very recent，most of your parents didn’t have credit scores growing up, and as you can probably tell or at least intuit, it’s mostly just a b******* scheme for those with capital to accrue more capital by invading your privacy.
Yeah, theirs is more intense, I agree. But we definitely have one. It’s your good little capitalist score, and if you don’t have a good score you can end up homeless bcz nobody will rent to you or sell you a house.
Or buy a car. Or start a business. Yup.
I think you missed my body text, I am totally on the side of credit scores bring utter bullshit.