I've worked my whole life to stay out of poverty. My family has been plagued with debt and financial fear. As a result, I've worked to the fucking bone to not take any debt, and I feel so lucky to have no loans.
My small gripe is that my credit score is low because I don't have any loans to pay off. You really can't prove I'm fucking financially responsible, given that I've made a life for myself in this dystopian hellscape without taking on any debt? Fuck off. There's no winning.
Credit scores are fake numbers designed to inhibit anyone who genuinely needs financial help.