Credit scores and health care debts

[aruss1219 (Ashley Russell)]

I as a late 30s citizen, has never had a credit card. I feel that not having a score through FICO is unfair to those who chose not to have a credit card or take a loan at any point. This will be making first time home buying, very difficult. I feel that a zero-credit score should be the same as an 800-credit score. Meaning the person with a zero score should not be viewed as a liability for making better choices and accumulating credit card debt. America is in the highest debt, and some cannot find the space of relief from said debt because the interest rates are astronomical. I personally feel interest rates should only apply if payment is late. If I loaned 50 dollars to a friend, and they said they would pay me back in 30 days, if the 30 days have come and gone and there is no payment in full, then and only then should there be interest applied. 5 dollars every day the debt is passed due. Also, medical fees should not be sent to credit reports, nor should they have sold to creditors. Health insurance is unaffordable, and many citizens will wait to get care until its nearly too late because they cannot afford it, or the insurance. Health insurance along with life, car, homeowners, renters, etc., is a money pit for those cooperations. we pay for these policies and half the time we cannot use them. ALONG with pharmaceuticals. Why is an insurance company denying a doctor’s order for a certain medication, as if they are the primary care physician and know better than the actual professional. the American healthcare system and credit system needs to change. we could all live much healthier and better lives if what’s available to us is affordable and not something that puts the american people further into debt.