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We messed up somewhere along the way
(lemmy.world)
cross-posted from: https://slrpnk.net/post/8286702
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this post was submitted on 03 Apr 2025
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There's literally nothing wrong with credit scores--they reward good borrowers, and for bad borrowers, a bad credit score is equivalent for them to there being no scores.
Without credit scores, all borrowers get treated like the ones who don't repay their debts, instead of only the ones who actually don't.