I agree - so long as financial credit comes with perks, people are going to be apologists for its flaws. Now that I work in software, keeping good credit is a n

I agree - so long as financial credit comes with perks, people are going to be apologists for its flaws. Now that I work in software, keeping good credit is a non-issue. However, when I was making less than $10k/yr, it was the bane of my existence.