FICO is a number that's a compressed description of the decisions made in life "No one will extend trust to me because my FICO is low - it's the number's fault" If FICO didn't exist no one would extend trust to *anyone* not personally known FICO didn't ruin anyone's lifehttps://twitter.com/sleepisocialist/status/1359945674553491458 …
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Don't get me wrong there are some evil credit score traps - most notably buy here pay here used car lots - but they're pretty telegraphed and it's trivially easy to get a good score. Get a credit card (any). Use it for daily expenses. Pay it off monthly without paying interest.
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The bank will pay you for it because they want people using plastic - they make a huge chunk of their money on transaction fees to vendors.
End of conversation
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