the.com/credit access
the ability to borrow money now and let future-you deal with it.
means how easily a person or business can get approved for loans or credit lines based on perceived ability to repay.
from from latin credere, to believe — lenders have always been in the business of betting on trust, just with better spreadsheets now.
score gatekeepingthree digits can decide your apartment, job, or rate
thin file problemno debt history can hurt you as much as bad debt
redlining legacygeographic bias in lending outlived the laws banning it
global dividebillions remain unbanked, invisible to formal credit systems