That's a naive view of credit bureaus. There are value judgments in there throughout the stack. You can't get a job because you didn't pay off a medical debt. Y

That's a naive view of credit bureaus. There are value judgments in there throughout the stack. You can't get a job because you didn't pay off a medical debt. You can't get a mortgage because you don't have the right history of past debt (for example, if you're too young).