[Bilal_io]

> Why are people entitled to credit?

I am with you there. But unfortunately, many entities check credit to decide whether they want to rent you an apartment, whether they want to install pre-paid home internet to your house or hire you for a job in many instances.

So my argument is simple, if you want to check my credit to rent me an apartment, then the credit system should use my rent payment to increase my credit score, and this should apply to every bill I pay, be it prepaid or post paid.

[lotsofpulp]

As far as I understand, the reason the credit system already does not do this is due to friction with integrating data. All the small landlords probably do not have access to credit reporting bureaus, and there is probably a lot of hassle to report and verify information.

Of course, that friction has greatly been reduced due to computers and internet, so it is possible to get a more granular look at people’s ins and outs to more precisely establish credit.

I think checking accounts or an equivalent should basically be a government utility at this point, available to all.