@PunishedD @Bad_Banner @blaaablaaaa Think about this from the perspective of say a 23 year-old who just graduated college, who made some bad decisions and ran up say $25k in CC debt.

- Insurance companies? Sure, credit score is a variable but it's a much smaller factor than claim history and age/gender.
- Bank loan officers? The only loan they are getting is a secured car loan, and Nissan will approve them.
- Startup investors? They run standard background checks, but many of them would consider bankruptcy a badge of honor.
- Security clearance? Yes, but average Joe isn't applying to work at the FBI.

My point is that there is less incentive for young people to keep their score high. The main reason used to be qualifying for a mortgage, so if young people don't have realistic goals of buying a house in the next 5-10 years, the system starts looking awfully shaky.