It's too bad that people don't understand how a credit score works. We never know when we need that money and the short-termed thinking by people doesn't help. I think having clear guidelines on how much to lend out and to who is probably needed. It's a business and the money has to come from somewhere.
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Yeah a lot of people don't understand that these scores can come in handy especially in a time of need. In Nigeria, private organizations, keep databases for credit scores, but there are people who just choose to mess up their opportunities by messing up their score and get into big trouble