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.
Can you elaborate? And excluding all the bullshit with leaks, that’s obviously an issue but I’m not sure it’s related.
My score for the credit agencies is in the negatives. You should trust me of course, and no, you cannot see the algorithm I use.