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.
Yup, and pretend that your credit card is your debit card. I never pay for anything with my credit card unless I know that I can clear the balance immediately after if I had to.