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.

  • delirious_owl@discuss.online
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    8 months ago

    Seconded. If you dont have your SCHUFA, proof of employment, and original Mona Lisa, you’ll never get an apartment in Berlin