How do you get the social credit score in the states? By taking over the credit bureaus- Biden Wants to Shut Down Credit Bureaus – What Would That Mean for You?

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How do you get the social credit score in the states? By taking over the credit bureaus- Biden Wants to Shut Down Credit Bureaus – What Would That Mean for You? (archive.vn)

The CFPB has a new acting director, Dave Uejio, who recently replaced Trump appointee Kathleen Kraninger. In a CFPB blog post dated Jan. 28, Uejio stated his two main priorities would be “(1) relief for consumers facing hardship due to COVID-19 and the related economic crisis, and (2) *racial equity.”*

>The CFPB has a new acting director, Dave Uejio, who recently replaced Trump appointee Kathleen Kraninger. In a CFPB blog post dated Jan. 28, Uejio stated his two main priorities would be “(1) relief for consumers facing hardship due to COVID-19 and the related economic crisis, and (2) ****racial equity.”****

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Your credit score is a measure of your long-term profitability to lenders.

So if you borrow money for a car, and then pay it off very quickly, you are not very profitable to the lenders who were hoping to make money from the interest on the loan they gave you.

You will have a higher credit (profitability) score if you maintain regular payments of debt over long periods of time, because that means lenders are making more money from you.

Credit is not a measure of your trustworthiness with money, it's a measure of your potential for banks to make money from your debts.

That summarize it well enough?