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by minimalist 1777 days ago
It is perfectly possible to get by without buying into the credit scam. You just have to do things the way they were done 50 years ago: present a recent paycheck, present a current bank statement showing that you have enough in the bank, get an endorsement or cosigner from someone with the monetary means.

Some combinatiom of the above will do and make sure that you are able to speak to a human. Of course, this means that its cpnsoderably more difficult to live outside of your means. It is almost as if systems were set up to encourage people living outside of their means..