This... is not truehttps://twitter.com/TheMcKenziest/status/1300630506229264384 …
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France doesn't have a credit rating agency but they still check your income and debt records and you can still get an apartment denied to you if you have too many unpaid bills on your record and have been blacklisted
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The real innovation American banks started was the idea of making it a number that goes up or down, whereas the previous bureaucratic solution was just a blacklist where you're either on it or off
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