Housing Bubble 2: Return of the Ugly

How about we end our horrible social credit score system?

The Credit Score was created in 1979 as an elaborate way to keep denying loans based on race after it became illegal.

I've tried 3 times to get a credit card, all stolen and caused a nightmare with my bank that hurt my credit more.

And that's not even adding in the scummy practices with overdraft fees and how banks make you trigger them.

For some reason they make having a credit card the most dangerous financial decision you can make, while also fircing you to use then for the privlage of buying shit you can afford.