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.
that’s how it works. you have no credit history you can’t be trusted wiht a major loan like a mortgage.
you need credit history.
My response was to someone who claimed that the system has not fundamentally changed due to credit scores being introduced.
Yes, it is true this is how it works now, it is not how it used to work.