They invented a number to define your worth. I rejected the number. Now I’m in what experts call a “transitional credit phase.”
Look. Let me tell you something the financial establishment doesn’t want you to understand: your credit score is a social construct. It’s a made-up number designed to keep you compliant, anxious, and perpetually indebted to a system that profits from your fear. My credit score social construct awakening happened last year when I checked my score and saw 584. Most people would panic. I felt liberated.
Few understand this.
The Credit Score Social Construct Explained
Here’s how the scam works: they create an arbitrary number between 300 and 850. Consequently, they tie that number to your ability to get loans, apartments, even jobs. Then they tell you to spend your life chasing a higher number—by using more credit, which creates more debt, which they profit from. It’s genius, actually. Furthermore, it’s evil.
But here’s what they don’t tell you: the score itself means nothing. It’s not measuring your worth. Additionally, it’s not measuring your intelligence or your potential. It’s measuring your willingness to play their game. And I’ve stopped playing.
What My 584 Really Represents
As I’ve written about strategic liquidity positions, conventional financial metrics are designed for conventional thinkers. My 584 doesn’t represent failure. Therefore, it represents freedom. It represents the moment I stopped caring what three private companies thought about my spending habits.
Sure, my credit card debt is technically $34,000. But that’s just a number too. Moreover, numbers are social constructs. Meanwhile, I’m building something real: a mindset. A philosophy. A premium leased vehicle that—admittedly—I had to put in my mother’s name, but that’s beside the point.
Breaking Free From The Score
The average American checks their credit score 14 times per year. Consequently, they spend 14 moments feeling judged by an algorithm. I’ve reduced that to zero. Consequently, I’ve gained 14 moments of mental freedom annually. Basically, that’s the real wealth hack.
My landlord required a credit check. I explained that credit scores are a social construct. He still required a credit check. So my dad co-signed. That’s not dependency—that’s strategic partnership.
The system wants you scared. The system wants you checking your score, optimizing your payments, living in fear of a three-digit number. I refuse. My 584 is not who I am. It’s just what happens when you’re brave enough to question the game everyone else is playing.
Stay dangerous. Stay uncredited.
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