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.
You used to go to the bank and they could see the color of your skin with their eyeballs.
Hmm I feel like I remember something about eye shape that was used for discrimination, probably related to frenology