In theory, the concept of credit scores is simple, and makes a lot of sense: lenders need to know they can trust someone to pay back their debts, and debtors need a way to prove they're trustworthy. In practice, however, credit scores are intensely confusing, often ridiculous, and a heck of a pain in the keister for pretty much everyone involved. So how did this system come about in the first place? Join Ben, Noel and Max as they dive into the ridiculous history of credit scores.See omnystudio.com/listener for privacy information.