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7 days agoCredit scores are only not a positive thing for people who don’t pay their debts. It’s 100% upside for people who do, and in the US at least, it’s trivially easy to have a top-tier credit score without paying a cent of interest, provided you actually do pay back what you borrow.
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.