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.
The last few times I’ve applied for credit I’ve only had to self-report my income and not dig out paystubs. I’m honestly not sure if I should be worried or happy