Whenever I read shit like this it blows my mind how impossibly convoluted our entire financial system has become. Government agencies regulating agencies regulating other government agencies. Arcane rules for more arcane rules. All of this to aid in the financialization of every fucking thing, just to keep people spending money to prop up the whole inflationary system. Credit scores are a scammy fucking joke. Credit IS inflationary. Credit has a place in this world. Unfortunately, most are not disciplined enough to use it properly.