This is why I have made it my goal in life to live in such a way where I don’t have to be beholden to my credit score. It is such a rigged system anyway. I choose not to ever buy a home, and I have chosen a public service career where I won’t be starting a business. Up until this year I bought used cars with cash. I…

This is how I thought as an early adult. But then I became an older adult, and realized that even the most responsible, diligent human being makes errors, and penalties for such unavoidable humanity are wildly disproportionate to the error itself.