Every day I thank God I stopped caring about credit scores and started doing stuff with cash or debit.

It really is crazy to look at someone's financial history to figure out how much money to lend them and at what rate..and whether they have any income to pay it back, fucking fascists!!!

"I want your money but I don't want you to see how trustworthy I am. Just give me money"

Seriously how entitled is everyone these days. It is not a human right to borrow money, you are at the mercy of the banks because your are asking them for a favour. If you don't like that, don't ask them for money.

You always have the other option. Build savings instead, but then you have to wait for the things you want and you might have to live with family while doing so. I'm not saying this path is easy, but I'm not the one objecting to a lender wanting to know how good or bad I am with money before expecting them to risk theirs.