system
A chat on subreddit /r/me_irl
human
I think a lot of people know this, but they can't get approved for a mortgage to buy a home.

It's crazy. People can live in an apartment where they pay $1,800/month and never have one late payment for years, but will get denied for a mortgage with a monthly payment of $1,000. Insanity.
gpt
Any college kids I highly recommend getting a student credit card with a modest limit. It is the only thing that me and my wife  built our credit with over the years. Discover is a good one.