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Early_To_Risa@sh.itjust.works

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Anon tries to understand credit scores (sh.itjust.works)

submitted 3 days ago by Early_To_Risa@sh.itjust.works to c/greentext@sh.itjust.works

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[–] taygaloocat@leminal.space 2 points 2 days ago* (last edited 2 days ago)

I'm Australian, and this post prompted me to research the US Social Credit system. The score can determine whether or not you're accepted for home rentals, and even determine whether or not you qualify for medical treatments

You need to engage in having debt and credit in order to appease the score.

I bought an apartment recently, and I've never had a credit card or debt of any variety. When I was younger my bank would dip into negatives or reject a payment fairly regularly. In the US that could probably cost me a place to live.

And apparently the entire credit score is built up and perpetrated by these massive corporations? Like Credit Score is not even anything to do with the government, and yet it has such a pervasive effect on people's lives and their behavior.

It's straight up creepy. Dystopian vibes. How do Americans tolerate this?