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Credit Scores vs. Israel: Two Ways to Quantify Trust
What does it mean for a society to quantify trust? This episode unpacks the US credit score system — from the private bureaus and proprietary FICO algorithms to the "thin file" problem that leaves 45 million Americans invisible. Then we cross the Atlantic to Israel, which chose a fundamentally different path: a centralized government credit registry that provides raw data but no score. No FICO, no three-digit number. We explore how banking concentration, high down payments, and a small networked society made this possible — and what each system sacrifices. Episode 3137 —…
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