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.
Uhh they’ve accumulated over the years and I don’t bother closing them. The amount of the credit lines together help keep my credit utilization low.