I live in Canada, where health care is covered, but dental isn’t. I had an injury several years ago which effectively destroyed many of my teeth, and ended up more than $15,000 into debt over it. I couldn’t make my payments on time for probably a couple years, and even though I finally managed to pay it off, it’s a black spot on my credit history for years to come - through absolutely no fault of my own.
This is infinitely worse in the USA, where the pathetic government that promises ‘freedom’ somehow doesn’t get that universal health care is a huge part of that.
I have family in the USA who got cancer.
Due to the absolutely bullshit health care system there, they are completely, utterly, financially devastated.
This family member had to be stopped from committing suicide when they found out just how much it would cost to save their life. That they would have to declare bankruptcy. That their credit score, and anything they'd ever need to do with money in the rest of their life - was completely gone.
It’s literally why I don’t live in the USA anymore. Scared me shitless.
You know what’s way - way worse than getting cancer?
Having to pay more than you could ever possibly afford for getting cancer.
Good luck getting a house after that, thanks to this bullshit.
According to credit scores - you should be held personally responsible for the fact that you got that disease.
Literally - how dare you get cancer. Enjoy having a shit credit score for the rest of however long you have to live.
The fact is - people need places to live, and if people have poor credit - especially if it’s of no fault of their own, but due to the bullshit system we live in that has no room for genuine accidents - how the hell are these people ever supposed to find a place to live?
I had to go out of my way - and pretty much pay extra - to find a landlady here in Toronto even willing to give me enough understanding to rent a place - and I make about $100k CDN a year.
I had to explain the whole situation, come up with documents to prove that’s what actually happened, and even then I was lucky to get a place to rent. I can’t imagine what it’s like for people who might have half or less of my income and poor credit through no fault of their own but are looking for a place to live.
Fuck the credit score system. It is an abhorrent human rights issue - is simply disgusting and disturbing - and only serves the rich.
A credit score does not take into account for humanness.
It’s the nuke of weaponized capitalism, yet another tool to keep the rich more rich and the poor more poor.
May the greedy miscreants who developed and enforce this wicked system rot in a special kind of hell.