This... is not truehttps://twitter.com/TheMcKenziest/status/1300630506229264384 …
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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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The latter is, probably, a less oppressive system than what the American one has become but at the time the idea was that a score was a more sophisticated and less punitive system than just a black and white "deadbeat or not" system
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