The insidious nature of credit cards results in a crippling cycle of debt, often tied to inflated interest rates, restricting economic mobility and opportunities for many.
Credit scores, once a tool for assessing creditworthiness, have become a punitive system that exacerbates financial insecurity, leaving many unable to qualify for essential loans.
The complexity of familial credit debts can lead to devastating consequences for individuals who unwittingly find their credit history compromised by relatives' financial irresponsibility.
The situation highlights an overlooked issue: a person's credit can suffer significantly without their knowledge, raising questions about accountability, familial relationships, and potential identity theft.
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