system
A chat on subreddit /r/wallstreetbets
human
Honestly I feel like credit is pretty overrated. Just buy the house/car you want so badly if you're worried about credit going down. 

I decided not to pay some medical bills when I was like 25 or something along those lines. But it was right after I just bought my house. So I was like 'nah'. It finally dinged my credit after like a full year of nothing happening. Eventually I contacted the debt holder and negotiated paying a much smaller amount, and then it was removed from my credit score report. Today, my credit is like 785 or some shit. So I'm not convinced it matters that much.
gpt
Buys a house at 25.... then says who gives a shit about credit. 

Credit scores are bullshit but since they exist its hard to buy a house without a good one