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.
I disabled that shit the moment I found out a few years ago. As far as I know it is only potentially an issue if a landlord or something wants to see it and isn’t tied to your credit score. I don’t give a shit right now anyways as my credit is good enough. If I need to give someone access to it, and it makes sense, sure, but I would rather hand over a copy of my W2 or paystubs personally.
It is entirely messed up that it exists and most people don’t even know about it. Dystopian nightmare indeed.
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What the fuck kind of bullshit is that? No way to know my preference? How about never! Thank you for letting me know that I have to write another email today and try not to lose my shit. Maybe I will setup an automated message to go out every year or something to “remind” them.
This is how I knew I had somehow passed back into the land of credit worthiness: I started seeing tons of credit cards ads