The most important point was overlooked in this article: when your credit score is partly computed from the credit scores of your social links, you tend to form

The most important point was overlooked in this article: when your credit score is partly computed from the credit scores of your social links, you tend to form elitist cliques. People with less wealth or financial skill or poltical demerits are shunned. They far further behind because they cant make the better links that they would help them. I hear even family members disavow each sometimes.