Statements like this make me think you’ve never actually had to rent an apartment/home before or you’d have realized there’s an application process involved before you’re accepted. This is basic knowledge.

Part of the application process generally entails a credit score check. This is also basic knowledge.

You can argue all day long but in the end landlords and creditors look at a poor credit score as a risk to their investment. Nothing more.

Statements like this show me you’ve never owned a business, never been a landlord, or otherwise been in a position where risk management is at play.

There is no grand evil conspiracy here, you just don’t understand risk management and how it relates to credit scores.

because of some score that comes out of a black box

This right here shows me you know virtually nothing about what a credit score is or how it’s calculated.

while also lacking basic information on the process like mentioned above

Ah so you’re making strawman arguments while accusing me of making strawman arguments.

Clearly I am talking to someone that has zero ability to understand basic finances while simultaneously lacking basic communication skills. Obviously I am wasting my time responding to you.

Good bye.