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Multiple government systems rely on Experian for identity verification. If you don't have credit, you don't exist in the system according to the government. I'v
by waterphone 10y ago
Multiple government systems rely on Experian for identity verification. If you don't have credit, you don't exist in the system according to the government. I've run into this personally with healthcare.gov and state medicaid applications, as well as commercial uses like Amazon Payments.
- xanderstrike 10y agoSame. I complained about the rates I was given by my auto insurance company and they said it was because I had no credit. I told them I could easily pay 12 months up front, didn't matter. I told them I could prove my income was more than enough, didn't matter. They told me I should get a credit card. In order to get a service I'm required to have by the government, I had to have my name in a system run by private, for profit companies.
- kmonsen 10y agoYou don't actually need car insurance (I know, this mostly a technicality): http://www.dmv.org/insurance/alternatives-to-auto-insurance.php http://www.dmv.org/insurance/alternatives-to-auto-insurance....
- xenadu02 10y agoWelcome to America! I hate it too but I got a student credit card in college and never let it go late. That has paid off many times over the years.