Who started the "living and dieing by your credit score"?

Credit and mortgage advice Forums Consumer Credit Improve Credit Who started the "living and dieing by your credit score"?

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      It seems one can barely buy a sandwich without having good credit. Who started this whole thing. I want a name. Everyone everywhere is judged by their credit score. Even potential employers check your credit score. They theory is that someone with bad credit would likely be a thief. Is this how we expect people to live? We are isolating the classes more and more. Those who try to buy a modest home are hit the hardest with massive interest rates, while those born to money get the lowest rates. Shouldn’t interest rates be the same across the board? Wouldn’t this give everyone the same chance to have a decent life

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