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.
Similar with immigrants. We brought a guy over as a software engineer. He was very well paid, stable family life, etc …… and could not buy a car because no credit history, had a difficult time finding an apartment because no credit history