Sure, let's say it doesn't since I admittedly haven't looked into this in painful detail. However, this meme seems to suggest that if it did exist, then it would be perfectly fine on the virtue that credit scores exist in America. Aka, whataboutism.

Since Germany made concentration camps under the third reich that it isn't that bad when America does it. At least by this logic. Guess it's impossible to be against two things at once. Though I hope I'm just misinterpreting the point