I was told MY credit score was at around 690 BECAUSE I haven’t had a car payment since 1984 & haven’t had a mortgage payment since 2004. Apparently not enough “payments” they can track ????
If credit reporting agencies were legitimate, they would be restricted to whether you have the income to make a purchase, and whether you make your payments in a timely fashion. Credit scores have gone well beyond what is legitimate and are now picking winners and losers in the job market while actively undermining Gen Z attempts to be stable and have kids, and that is just what we KNOW!
They actually responded to people having their prospects stunted, by their own scoring model, by saying that the problem is that they just need a whole bunch MORE data about our utility payments (and no doubt useage) to correct THEIR imbalances. There is no accountability with these people, who are supposed to be all about accountability.