No doubt there are high income people with low credit and low income people with high credit. But my point is that it's a lot easier to keep a good credit schoo

No doubt there are high income people with low credit and low income people with high credit. But my point is that it's a lot easier to keep a good credit school on high income than it is on low income. When your cost of necessities for living (food, rent, utilities, etc) is close to your total income, all it takes is a small disruption in your income to cause a cascade of credit lowering events that are hard to dig yourself out of.