this post was submitted on 22 Aug 2023
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I started adulthood in poverty because I was hit by a negligent driver when I was in college. It takes 7 years for negative reports to fall off of your credit report here, so I spent the first 7 years of my independent adult life in poverty because somebody else was a bad driver and our healthcare is too expensive.
Edit: For those who aren't familiar with the American system of credit, if you have bad credit, most apartments will not accept you regardless of your income and many jobs will turn you down. It also makes it more expensive to do things like rent or lease anything (or buy a car, which is required in the US) because you will have a higher interest rate. It's a cycle designed to keep you spiraling downward.
what??? why do you lose credit by getting hit by a car? that's insane
Nah, I imagine you lose credit by going bankrupt trying to pay for medical bills.
That's fucking obscene. It's no wonder things are falling apart. It's comparable to China in some ways. They just call it 'social credit score' instead.
Yep, but the social credit score thing AFAIK is not really implemented that thoroughly or at all. This thing is pervasive in the US and people keep defending it for some reason.