[taurine]

You can overdo fairness and cause troubles to the poor. Very concretely: Giving someone a loan, despite their credit score being marginal, will severely mess up their credit score forever, if they can't repay you.

If you are poor, then don't create more debt! It should be hard to rack up such a debt, not easy and accessible. No amount of credit is going to increase your social status, because you have to pay it back with your own current/near-future money.

If we want social justice for the poor through access to more money, then capitalism is not a good way to go. The state should become a credit provider.

[skinnymuch]

How would someone’s credit score be messed up forever? Debts are cleared completely after 7 years and have less weight after about half way through that time. Bankruptcy is along the same lines.

So your example isn’t correct.

[taurine]

You still owe any debts after 7 years (up to 15 years in some states). Zombie debt is not "completely clear". But ok, read "mess up your credit score for 7 years" instead. Then point remains: Marginal high-risk credit underwriting is not only dangerous to the institution, but also to the receivers of the loans (and the economy in general). It is socially perverse to hook lower-income people to consumer credit. To have middle-income people lose their house.

[watersb]

Ten years. Maybe. If there are no errors on your credit report.

[Dentistry]

I don't want social justice infinite debt communism for the poor I want a working economy with opportunities job.

If you want social justice for the poor I recommend Venezuela.