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this post was submitted on 28 Oct 2023
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No Stupid Questions
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No such thing. Ask away!
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As the name hints, a credit score is used to rate the risk of making you a loan. It’s not some essential personal ID. It only comes into play if you are applying for credit and is a set of shared records that financial institutions and private companies use to decide if loaning you money is a good risk or not.
Someone else said it’s used to decide if you can get a car and that’s not accurate. If you need to borrow money to buy a car, your credit history will be checked. It’s the loan, not the car.
Is it crazy that lenders would want to know if you’ve walked away from your bills in the past? Making it sound like dystopian China is a gross exaggeration.
Landlords want to know if you will be able to pay rent and they may ask to know what you earn, what’s in your bank account, and if you have insane debt. It’s not credit per se but they are entering into a financial agreement with you which you could default on, so it’s got many of the same characteristics. Don’t want to give all this information? Don’t. It’s not required by law. Not everyone demands it. Some may choose not to rent to you without it.