Your Credit Score Is a Scam

[Start] [Intro – spoken in a vocoder voice, robotic yet wise] "Credit scores are a ranking system developed by private financial institutions to determine consumer lending risk. This score dictates the loans, credit cards, and interest rates you qualify for, but the system is designed to reward debt, not financial responsibility. It is not a measure of your wealth or stability—it is a measure of how profitable you are to the banks. They do not care if you are debt-free; they care if you play the game." [Instrumental Interlude] [Verse 1] "Credit utilization is one of the biggest factors in your score. It represents the percentage of your total credit limit that you are currently using. The system punishes high utilization, meaning if you max out your credit card, your score will drop. However, if you never use credit at all, your score will not grow. The ideal range is to use between one and nine percent of your total limit, allowing the transaction to report before paying it off. This way, you are seen as an active and responsible borrower while avoiding debt." [Instrumental Interlude] [Verse 2] "Your payment history makes up another large portion of your score. Missing payments will destroy your rating for years. Paying on time is critical, but here is where the system shows its bias: Paying early does not increase your score. Paying everything off immediately does not benefit you. The credit system prefers borrowers who maintain a balance, generating interest, yet never fully drowning in debt. If you never owe anything, you are not profitable. If you owe too much, you are a liability. They want you in the middle, feeding them little by little, forever." [Instrumental Interlude] [Verse 3] "Credit age is another hidden factor. The longer you have an account open, the more valuable it becomes. Closing an old credit line reduces your average account age, lowering your score. Banks know this, and they use it against you. If you open a new credit card, your age decreases. If you close an old account, your history vanishes. They tell you to be responsible, but responsibility in this system is measured by how long you have been borrowing, not how well you manage your money." [Instrumental Interlude – slow] [Verse 4] "You are not taught this in school. You are given a number with no context. You are told to build credit but not told how. You are told to have a high score but not what truly impacts it. Meanwhile, banks make billions from those who misunderstand the rules, from those who overspend, from those who think 700 is the ceiling when in reality, the game does not end until you reach 750 or higher. And even then, the game still favors them." [Instrumental Interlude] [Leave room for extension] [Verse 4] "You are not taught this in school. You are given a number with no context. You are told to build credit but not told how. You are told to have a high score but not what truly impacts it. Meanwhile, banks make billions from those who misunderstand the rules, from those who overspend, from those who think 700 is the ceiling when in reality, the game does not end until you reach 750 or higher. And even then, the game still favors them." [Instrumental Interlude] [Verse 5] "They tell you debt is bad, yet they punish you for avoiding it. They tell you to save, yet they reward you for borrowing. They claim the system is fair, yet the highest scores belong to those who have played for decades. There is no morality in finance. There is no fairness in lending. There is only profit. If you want to win, you must stop thinking like a borrower and start thinking like a strategist." [Instrumental Breakdown] [Outro Instrumental - continue Breakdown, fade until End] [End]