Are you arguing that the system is made up or that it's unfair to the poor?

I would agree with the latter, but you haven't been terribly consistent in your argument. I've had troubles with my credit score in the past, which is part of why I understand how it works.

I agree that credit scores unfairly disadvantage the poor, but that's merely a reflection of deeper economic issues that should be dealt with. Abolishing the credit score won't enable the poor to suddenly buy houses.