when i hire someone for a job, how do I know they have experience without being able to verify they have held previous employment in a similar position?

the point of the system is to show you have experience and you pay back your debts. it's not that anything more than that.

a lender doesn't want to give someone a big loan if they have no experience. just like i won't hire you for a senior staff position fresh out of college. those things take like a decade or more to develop.

my credit score at 18 was like 500. and my credit limit was $250. now it's 830, because I've paid back all my debts in a timely manner and have access and have six figures in credit available to me.

if you want a a good credit score, go take out a card, make small payments with it, and pay them back.

it's not a conspiracy anymore than the fact it takes years to get promoted at a job.