this post was submitted on 25 Jul 2026
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People Twitter

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[–] lime@feddit.nu 1 points 1 day ago

yeah see the functional difference then is the change in rates depending on the score. here the base rates need to be publically visible and lenders change them based on a "steering rate" set by the central bank in response to things like inflation or cost of living.

while we do have credit reports, the only things visible are defaults. if anyone wants more info they need to ask you for consent.