Credit Scores Don’t Measure Character — They Reflect Access and History

信用评分并不衡量品格：它反映的是准入机会与历史轨迹

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A high credit score signals reliability to lenders — but it’s built on patterns shaped by income stability, banking access, and prior financial inclusion, not moral virtue.
Students with no credit history face higher deposit requirements for utilities or rental apartments, locking them into costly alternatives that delay score-building.

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