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Credit scores in America are not even remotely close to the kind of app, or China's sesame credit.

Credit score is dictated by usage of your lines, how regularly you pay back loans, and whether you've been late or defaulted on debt. It's a numerical function derived from your financial activities - what you do in your private life has nothing to do with it. While it may be uncomfortable knowing there's a number out there tracking how trustworthy financial institutions think you are, they exist for a good reason. Prior to credit scores, getting loans essentially amounted to knowing the right people (and more often than not, being white).

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