Underground Usa

In light of Moody’s move to downgrade our nation’s credit score—and the massive middle finger that the markets gave that move, this subject is appropriate and timely.The credit score industry, led by the unholy trinity of Equifax, Experian, and TransUnion, is a dystopian farce posing as a fair measure of financial trustworthiness. These agencies hold a stranglehold over people’s lives, dictating access to loans, housing, and even jobs, while producing scores that are arbitrary, discriminatory, and riddled with errors.Worse, the US credit score system eerily mirrors the social credit system of communist China, surveilling and punishing individuals under the guise of objectivity. As handmaidens to big banks, these bureaus perpetuate a cycle of exploitation that devastates lives and entrenches systemic inequities.Credit scores, those three-digit numbers that supposedly define your financial worth, are built on a foundation of whimsy. The proprietary algorithms behind FICO and VantageScore, used by Equifax, Exper