I always assumed credit scores were an integral and historic part of the American financial system.
They were not, they are very recent，most of your parents didn’t have credit scores growing up, and as you can probably tell or at least intuit, it’s mostly just a b******* scheme for those with capital to accrue more capital by invading your privacy.
comma splices are neat; but have you heard of other punctuation?
credit scores are a neat way to make a game out of blaming regular people for the continued collapse and bail-out of wall street and banks.
You have a but there.
Aren’t you supposed to exclude those when using a semicolon instead of a comma?