A side effect of the credit system in the United States is that it "entrenches and reinforces inequality by dictating a consumer's access to future opportunitie

A side effect of the credit system in the United States is that it "entrenches and reinforces inequality by dictating a consumer's access to future opportunities."[0] This primarily affects minorities, though anyone in poverty suffers from the credit rating system. In regards to scoring, its complex, but generally: pay your debts on time and on schedule. Importantly, do not pay off loans early. You'll get positive points for eliminating debt, even early, but more positive points for paying the maximum interest the bank would like to earn from the money they loan you. 0. https://www.nclc.org/images/pdf/credit_discrimination/Past_Imperfect050616.pdf https://www.nclc.org/images/pdf/credit_discrimination/Past_I...