Credit scoring is a relatively new phenomenon within the credit lending industry. If you cannot triangulate and understand how credit score system has created an environment in which only the well connected and the rich get richer and the average American gets sent away with no financing then you've got a lot of research to do to yourself. The credit scoring system is creating a permanent underclass of Americans. And that in itself is an American.

If the credit scoring system was around a hundred years ago the Wright brothers would have never made the first airplane. because the bank would have turned them down based upon their Past history as bike makers.