If you’re American, your credit score affects a whole lot more than your creditworthiness. A bad, or even not as good score can affect your chances at getting a job, getting a place to live, and more commonly, how much you pay for car insurance.
We give a lot of shit to China over their social credit score, but we’ve had ours for years, we just pretend it’s only for creditworthiness. When your job does pre employment checks, they can also do a credit check. Many apartment complexes do the same. Hell, even utility companies can check your credit and decide you are a risk and ratchet up your deposit.
It’s not a guarantee that anyone does this, but it is a possibility. Be on your best behavior, citizen, the credit bureaus are watching.
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