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Credit ratings are an attempt to turn weird moral tests into a concrete number, and they have a massive effect on one’s ability to get a mortgage. It wouldn’t b

Credit ratings are an attempt to turn weird moral tests into a concrete number, and they have a massive effect on one’s ability to get a mortgage. It wouldn’t be at all surprising for a bank to try to account for factors the credit score misses.

gizmo686 7y ago
What "moral tests" do credit scores use? You could certainly argue that they are not an accurate reflection of credit worthiness.
- mikeash 7y ago
  Whether you’ve paid back your debts previously.