Why Credit Scores Exist, and who really benefits of it

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Credit scores look like a tool for consumers — but they were never designed for you.
Behind the three numbers that decide your loans, your rent, your car payment, and even your job opportunities is a system built to protect lenders, reduce risk, and maximize profit.

In this long-form video, we break down the true purpose of credit scores, how they were created, why they became so powerful, and who actually benefits from the modern credit system. Spoiler: it isn’t the average borrower.

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