mfh asked:


My brother is in the financial field and he’s always going on and on about how someone’s credit score is a good indicator of their personality in general. He insists that people who have bad credit are more likely to be irresponsible in other aspects of life. He says that people with bad credit are more likely to be unfaithful, shouldn’t be trusted to own a gun or babysit children because they are more likely to be irresponsible. He tells me that this is the reason that people with bad credit pay higher insurance rates because they are just not responsible.

So, I guess after years of hearing this from him it has sort of brain washed me. I find myself really looking down on people with bad credit. The other day I was renting a car and the poor woman in front of my had two credit cards declined so she had to go home and get proof of address and pay with a money order. Boy did I bad mouth her when I got into the car with my wife and kids. Then I was at the mall and a guy in front of me had his credit card declined. Although I would never say anything outloud in my mind I was thinking “what a low class MF, he can’t even pay his bills on time”.

And now, more than ever, that the economy has gotten bad I have really begun to despise people who have bad credit. I feel like they messed up the economy by buying too much and putting too much on credit and then getting off scott free. I am sure many of them are good people.

But even in commercials for the Triple Score monitoring they claim that the guy in the commercial should have had his fiances credit checked before he married her because they wound up living in her parents’ basement.

So is credit a true indicator of the person as a whole?

credit card insurance