ALL else being equal? I'd flip a coin. Because if all else is equal, the credit score (that indicates past interactions) isn't predictive of future outcomes. I

ALL else being equal? I'd flip a coin. Because if all else is equal, the credit score (that indicates past interactions) isn't predictive of future outcomes. If we're assuming conscientiousness and intelligence aren't equal across these workers, that's a different story. In which case, it depends on particulars; I might take the one with the lower credit score because they've demonstrated willingness to take risks. But really, the issue is that credit score is a lousy predictor of work performance. I have no reason to believe it's actually correlated.