Credit scores are a puzzling maze that many navigate daily. The discussion reveals how paying off debts can sometimes lower your score, showcasing the paradox of financial responsibility. Historical roots trace back to personal relationships, evolving into today’s complicated system marked by systemic inequalities. The podcast critiques how credit reporting has shifted from personal trust to data-driven assessments, raising significant privacy concerns. They also dive into the baffling nuances of FICO scores and why they matter so much in our lives.