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this post was submitted on 17 Jan 2025
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If you have bad credit in the US, it prevents you from getting housing, or even renting an apartment.
As people posted to you several times, china's credit score exists to keep tabs on companies, and prevent excesses and corruption. Basic regulatory things that the US used to do in a few decades ago, but is now considered "authoritarian".
it also prevents you from getting a job nowadays and more and more employers are insisting on it.