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.
Such as if you’ve been paying rent for years you should be allowed to pay an equal amount for a home you may actually own one day. That’s my main one.
I don’t understand what you mean or how that relates at all. And I’m not trying to be obtuse, I just don’t see a rational nexus between what you’re paying in rent now versus what you may pay as a mortgage on some completely different piece of property. Owning a piece of property and renting one are two different things.
Now, should paying rent be reflected on your credit score? I believe so, for better and for worse. If you are a good tenant, always pay rent on time, to me that reflects well on your fiscal health. I think the only reason it’s not is because who is there to report it? Only way it would be is if you could put it on your credit card, and I’m not sure any landlords take credit cards.