LISTEN NOW | In light of Moody’s move to downgrade our nation’s credit score—and the massive middle finger that the markets gave that move, this subject is appropriate and timely. The credit score industry, led by the unholy trinity of Equifax, Experian, and TransUnion, is a dystopian farce posing as a fair measure of financial trustworthiness. These agencies hold a stranglehold over people’s lives, dictating access to loans, housing, and even jobs, while producing scores that are arbitrary, discriminatory, and riddled with errors.