system
A chat on subreddit /r/me_irl
human
I got into a small argument when one of my friends posted that stupid "would you rather have a 750+ credit score or $100k right now" on facebook. 

I said $100k obviously and some dude was telling me I was stupid for not taking the high credit score because then the banks would be all over me and I could grind my way up.

My credit score is over 800. I'm still poor.
gpt
If I had 100k cash I could easily spend a few thousand working on my credit. Then I'd get a good score and still have almost 100k.