the alternative to credit reports is not unlimited money for everyone but rather credit limited to high trust social networks- extended family, college roommates, etc...
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Reply · Apr 15, 2026@cremieuxrecueil i don't qualify for a credit limit high enough :(Reply · Dec 17, 2022@wanyeburkett Except by family & frens… credit scores reduce the inequality of access to privileged social networksReply · Oct 7, 2021@krishnanrohit What's the better alternative? Social credit system? Endorsements from friends & family? Demographic discrimination? Get rid of…Reply · Sep 1, 2022@generativist No not relative, expected to creep up as your debt history gets longer and your debt-to-income / credit-utilization % improve.