> Because obviously paying on time a $100 credit card bill every month is a good indicator on how you'll handle paying a couple hundred thousands loan for your

> Because obviously paying on time a $100 credit card bill every month is a good indicator on how you'll handle paying a couple hundred thousands loan for your house (/s) I think this type of behavioral scoring is actually a great benchmark for determining responsibility. If you can't handle paying off a few hundred bucks here and there, it seems pretty reasonable that you're more likely to default on a far more expensive mortgage.