Look I am sorry about your girlfriend, but you’re ascribing far too much intent to credit score. It is not evil or designed to punish by some malicious entity that hates poor people. It’s not made to because somebody wants to control behavior or as a justice system. It’s made by financial entities to maximize profit and minimize risk to themselves. Any other aspect you notice is a byproduct.
bruh, nobody enjoys credit scores. And they’re only determined by your financial decisions, not everything you do.
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Look I am sorry about your girlfriend, but you’re ascribing far too much intent to credit score. It is not evil or designed to punish by some malicious entity that hates poor people. It’s not made to because somebody wants to control behavior or as a justice system. It’s made by financial entities to maximize profit and minimize risk to themselves. Any other aspect you notice is a byproduct.
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Neither does the chinese one, mostly because it is non-existent