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this post was submitted on 11 Sep 2023
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i mean, yeah. i agree. but those are rules of the game for plebs in the US. (i'm sure things are different for the super-rich.) you wanna rent an apartment or buy a new car? you have to show good credit or have someone with good credit co-sign any agreement/loan. you might do it on your own if you can show enough income (for rent) or can purchase a car outright (pay the total amount).
you can do these things with bad credit, but you will pay a higher interest rate or settle for something sketchy.
i can't speak to house-buying (looooool, add me to the list of americans in this thread who will never own a house), but i'm pretty sure it's the same.